Home » Archives for October 2007

Family Perspective

Monday, October 29, 2007 by dev

his report, the third of the Committee on the Consequences of Uninsurance, examines the impacts on America’s families of not having health insurance for all their members. On the basis of a literature review this report provides new analyses of the consequences of a lack of insurance within families and the effects on the health of children and pregnant women. The Committee looks at the phenomenon of uninsurance from the perspective of the family, which is important for several reasons:

  • The health of one family member can affect the health and well-being of the family as a whole. For example, an uninsured parent may delay seeking care and suffer sufficiently debilitating ill health that it is difficult to continue working or caring for children. Even if there is only one uninsured member, if that person has a serious illness or accident, it could generate medical bills that threaten the economic stability of the whole family.

  • Publicly financed health insurance usually covers individuals. Examining the complicating effects on families broadens the perspective of public policy debate.

  • Within the family, parents make decisions for their children about seeking care. Whether and how they use the health system for themselves may affect whether their children receive needed, timely care.

  • A family’s health care and insurance needs change over time as its members grow up and mature. Many common aging and family transitions, such as retiring after a lifetime of work, can affect coverage of individual members and the whole family.

Posted in: | | |

Health Insurance is a Family Matter

by dev


Health insurance is a form of group insurance, where individuals pay premiums or taxes in order to help protect themselves from high or unexpected healthcare expenses. Health insurance works by estimating the overall "risk" of healthcare expenses and developing a routine finance structure (such as a monthly premium, or annual tax) that will ensure that money is available to pay for the healthcare benefits specified in the insurance agreement. The healthcare benefit is administered by a central organization, which is most often either a government agency, or a private or not-for-profit entity operating a health plan.
Health Insurance is a Family Matter is the third of a series of six reports on the problems of uninsurance in the United Sates and addresses the impact on the family of not having health insurance. The book demonstrates that having one or more uninsured members in a family can have adverse consequences for everyone in the household and that the financial, physical, and emotional well--being of all members of a family may be adversely affected if any family member lacks coverage. It concludes with the finding that uninsured children have worse access to and use fewer health care services than children with insurance, including important preventive services that can have beneficial long-term effects.

Posted in: | | |

Life Insurance Direct

Sunday, October 28, 2007 by dev

Instantly obtain life insurance quotes and information. Check the market on your own before you talk with anyone! Also, check out Return Of Premium Term Life Insurance that gives back all of your payments.

How to Buy a Term Life Policy worth up to $150,000 Online without any Medical Exam

Skip the medical exams & skip the long forms. Skip the mail delays. Just answer a few health questions. That is it! It's all right here and now. Affordable Term Life Insurance with guaranteed rates. It doesn't get any easier or faster than this.

Posted in: | | |

Bank insurance

by dev

save insurance in bank here is i recommended for you

FDIC: Federal Deposit Insurance Corporation
Depositors with questions about FDIC deposit Insurance can call 800-323-6111

www.bankinsurance.com/

www.sbli.com/
and more

Posted in: | | |

Insurance

by dev

insurance, in law and economics, is a form of risk management primarily used to hedge against the risk of a contingent loss. Insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for a premium. Insurer, in economics, is the company that sells the insurance. Insurance rate is a factor used to determine the amount, called the premium, to be charged for a certain amount of insurance coverage. Risk management, the practice of appraising and controlling risk, has evolved as a discrete field of study and practice.

When is a policy really insurance?


An operational definition of insurance is that it is

* the benefit provided by a particular kind of indemnity contract, called an insurance policy;
* that is issued by one of several kinds of legal entities (stock insurance company, mutual insurance company, reciprocal, or Lloyd's syndicate, for example), any of which may be called an insurer;
* in which the insurer promises to pay on behalf of or to indemnify another party, called a policyholder or insured;
* that protects the insured against loss caused by those perils subject to the indemnity in exchange for consideration known as an insurance premium.

Posted in: | | |

Subscribe to: Posts (Atom)