AAR financial boost from Dutch fund

              

Medical health insurance provider AAR has received a major financial boost following a capital injection of 750 million shillings by a Dutch fund. The Dutch Investment Fund for health in Africa parted with the tidy sum for a 20 percent stake in AAR. Management at AAR says the deal brings its dream of listing at the stock market closer.

iPhone Insurance - It's Important!!!

Why It Is Important To Consider Getting Supplemental

iPhone Insurance  

by vikram

If you are thinking about getting an iphone you likely have not thought about getting iphone insurance. Many people do not get iphone insurance and plan to use the protection plans that are offered by their cellular phone network to repair or replace their phone if something were to happen to it.

However, there are some circumstances where you may find that you are not covered by the insurance for iphones that your cellular network offers. This may mean that if your phone was damaged or stolen that you would not have any way of having your phone repaired or replaced.

This can be a huge problem for many people especially if they are using their iphone as a primary phone line in their home or are using their iphone for business purposes. One good example of this is water damage. Many people end up dropping an iphone into water or some other liquid. They then take their phone to be repaired only to find that they are not covered.

The right insurance for iphones will also cover water damage but this is usually not provided by a cellular carrier. If you know that you live an active lifestyle and will be using your handset around water you may want to look for insurance for iphones that include water damage coverage. It can end up saving you hundreds of dollars in repair bills. If your phone is stolen it can also be difficult to get money back for your phone. Because many companies require proof that your phone has been stolen it may be too much of a hassle for you to jump through the hoops that some iphone insurance plans or cellular network companies demand. You may also want to ask about what will happen if your phone needs to be sent away for repairs.

Not every iphone insurance company will offer you a replacement phone but for many people who use their phones continuously it is important that they have a replacement handset. That way they can keep in touch with personal and business contacts even while your handset is being replaced. It may not be a bad idea to consider getting supplemental insurance for iphones before you have had your iphone for a long period of time. You need to watch out for terms and conditions that are present on some iphone insurance plans. You want to make sure that your coverage will be active even after the manufacturer's warranties have ended. There is a lot to consider when arranging iphone insurance. Price is really only one factor in your decision making process.

Although you do need to make sure that you are getting a plan that is affordable you also need to make sure that it is not such a basic plan that you will end up being stuck without coverage if something does go wrong. By using the internet you may find it possible to access the widest range of iphone insurance plans available. You can look at the terms and conditions and pick the one that will protect you and your phone as completely as possible.

Get Benefit of life in Health Insurance Plan

How to Choose Health Insurance Plan for You and Your Family

By Lewis Leona

 

 

 

The foremost concern of every individual is the security and benefits of their loved ones. People work hard to provide for their families, and to ensure their betterment. Thus, many people embrace the benefits and advantages of life and health insurances. Hence, there are varied insurance companies that offer different insurance and health policies around the world. Mostly, insurance policies tender transparent transactions and dealings with their investors. In this way, investors can follow the developments of their investment with a particular company.

One of the well-known insurance companies is SBI Life Insurance which initiated its first health insurance plan called as the 'Criti9'. SBI is a joint business enterprise between BNP Paribas and State Bank of India. Hence the 'Criti9' is a part of a project that intends on providing their clients with protection against 9 critical illnesses like heart attack, cancer, and organ transplants. 'Criti9' attempts on providing superior health insurance options to their valued clients. And this policy can be beneficial for a minimum of at least 2 years, while 5 years as maximum, along with a yearly premium mode. However, this policy can be availed by State Bank account possessors aged 18-55 years, along with a maximum coverage ceasing age of 65 years. Consequently, SBI health plans are expected to significantly grow in the succeeding years.

On the other hand, Aviva India is another company that offers promising health policies available in India. Aviva India is in fact, a mutual project between Aviva PLC and Dabur. Aviva PLC is United Kingdom's largest insurance group, while Dabur is one of India's largest and oldest financial groups. Aviva India has commenced Aviva Health Plus Plan (AHPP) which provides outstanding features to its clients. AHPP is a complete health plan that covers ill health, disability and accidental death, along with a guarantee of a return of partial premium on its maturity. It also protects clients against 18 crucial illnesses. Similar to the 'Criti9', this plan can be obtained by clients aged 18-55 years, with a 10-year policy term. Further benefits of AHPP cover Total Permanent Disability, Surgical Cash Benefits, Hospital Cash Benefits, and many more.

Health India insurance can work towards a healthy and safe India by LALIT KUMAR

Aiming for healthy India is one of the duties of the central and state government in India. For this reason in every state, there are state owned and operated hospitals to provide free of cost health care services to every Indian. However, both due to vast geographical area, huge size of population, and limited resources at the disposal of the state, sufficient infrastructure is not available to take care of free health care needs of every Indian. Health India insurance therefore, plays a huge role in building a healthy and safe India. A typical health India insurance policy contributes in building a healthy India by reimbursing the cost of treatment of major diseases that would otherwise be unaffordable to an average or even the well-off Indians.


If you and your family are covered under the health India insurance policy than you can avail best of the diagnostic facilities, along with medical and health care services offered by best hospitals and  surgeons at effective prices and very low cost. Thus, you can directly contribute in building a healthy India by protecting self and your family members. According to some studies the major cause of poor health care in India is not merely the lack to available infrastructure but also lack of awareness and use of health India insurance policies. Healthy India requirements however, could be easily achieved by insuring the maximum number of Indian for critical illness and making sure that best available treatment is made available when needed by the patient.

                           


A health India insurance policy from a reputed insurance company can offer several benefits to the insured and other beneficiaries under one single policy. It can provide comprehensive coverage for the whole family to build healthy India. Same amount of protection is available to all of the family members by payment of single premium for a policy, which is also known as a family insurance plan.  Another major contribution from a health India insurance program in building a healthy India comes in the form of huge network of hospitals that provides cashless claims facility. You simply need to approach the hospital participating in insurance company’s network with an identity card to avail this facility.

In case the hospital that is conveniently available to you is not participating in the Health India insurance company's cashless hospital's network, you simply need to file a reimbursement claim along with the requisite documents. A healthy India can only be built with the help of Health India insurance, which allows you to enjoy benefits such as free health check-ups, zero co-payments for any disease requiring hospitalisation beyond 24 hours etc.

Insurance Reviews

                                



The personal insurance contracts you own may need to be updated frequently. The life, health, disability, auto and homeowner's insurance that you have may no longer meet your needs. Each contract should be looked at and adjusted as necessary.


Your family's need for life insurance may have changed since you reviewed it. You may have too much coverage. You may have too little coverage. You may have the wrong type of coverage.


If you are earning more you may need to adjust the dollar amount of the life insurance you own. One of the more important purposes of life insurance is to replace lost income. Having too little life insurance can mean that your family has too little income.


If you have more obligations now than when you bought your plan you may want to update your contract. A new baby can increase your requirements for insurance. The reverse is also true. If your children are fully grown and self sufficient, you may need less insurance coverage than you did previously.


Have you recently reviewed your health insurance plan? Your medical insurance contract may have a maternity rider that you no longer require. Or, it may not have coverage for pregnancy and you are planning to have more children.


Your insurance policy's deductible may be too low or too high. You can easily pay too much by buying a policy with a deductible that is too low.


The limits on your contract may be lower than you need. The cost of a hospital stay goes up each year. Medical providers charge more each year. Unless your policy has no lifetime maximum on benefits it may fall short if you have a major health problem.


Disability insurance gives you an income when you are unable to work due to a sickness or accident. If your income has risen, your disability insurance should also rise.


If your need for income is now lower, you may want to reduce your insurance for disability. If you are able to live off of your investments now you may no longer need this coverage.


Your auto insurance policy has probably been adjusted when you bought and sold cars. It may not have been updated to make sure that you have adequate liability limits. It may not have been updated as your automobiles have grown older and perhaps no longer need collision and comprehensive coverage.


Your homeowner's insurance needs adjustment on a regular basis. The amount of coverage you have on your dwelling needs to equal the cost of rebuilding your home. (Not the cost of buying a similar dwelling.) This amount changes from year to year and your policy should be adjusted.


If you have bought jewelry since you bought your homeowners' contract, you may want to make sure that you have enough coverage. You may need to purchase a rider or a separate policy to cover your jewelry. The standard homeowner's insurance policy will only cover a small amount of jewelry.


Price shopping to get the best rate is an important part of reviewing your insurance. Your needs change as time passes. So do the prices of the various insurance carriers. Although it is more important to be sure that you have the right type and amount of insurance, it is also important that you not pay too much for it.


The best way to make sure that your insurance policies are still adequate for your needs is to review your needs and your insurance policies one by one. Having too much coverage means your coverage is more expensive than it should be. Having too little coverage means that you your insurance can fail to pay you what all that you need.

You can lower your insurance costs by getting prices for auto insurance in ID or New Jersey home insurance on the author Alston J. Balkcom's website. You can also call 866-945-2930 to get a free auto insurance quote. Article Source: http://ezinearticles.com/?expert=Alston_Balkcom