While still living in Indonesia, not many are aware of how important it is to have health insurance. Honestly, the reason I then bought a Cigna health insurance policy, unable to bear at the point of calling insurance agents tireless for several weeks. I had become the Cigna insurance customers starting in 2010-2014. During that time the cost of treatment to the hospital and doctors are all borne by the company where I work. So that I practically never use the insurance that I have it. I realized that if insurance is important after moving to the United States (US). Starting from the car, a rented apartment, home, health, and even pets also have insurance. According to the husband, every person who has a vehicle is required to have insurance. This was proven when all the local department of motor autos (DMV) in Key West, Florida, to accompany her husband takes care of the transfer of registration of inter-state, the first thing requested by the officer is vehicle insurance. After marriage, a husband who is a member of the US military, I enrolled as dependents and automatically incorporated into the military healthcare, TRICARE - husband opted for me- top TRICARE program. Not only that, I was registered specifically for dental insurance special software for military families through TRICARE managed by MetLife. My husband paid about 11 USD per month and I get the service without pay in the form of radiology and complete examination by a dentist, two visits to clean the teeth, and dental fillings. If more than that offered by the insurance holder must pay for itself, or known as out-of-pocket. After inspected and undergo a full examination by a radiologist and dentist, I was diagnosed with inflammation of the gums. I am surprised. Because I feel my teeth are fine, never experienced a toothache, or a matter of mouth. The doctor asked me if I was diligent flossing, honestly I say, although I rarely diligent brushing and mouthwash, and visit a dentist at least once a year. Flossing is not a common thing to do in Indonesia. However, it turns out without flossing can make gum problems. Long story short, I then scheduled to run a full treatment for a year. This means that the cost incurred husband even greater. Fortunately, most of the cost was covered by insurance. For comparison, one particular visit to clean the teeth of about 200 USD or USD 2, four million. I've run at least twice special care to clean teeth. This does not include a full examination by a radiologist and dentist are of course more expensive. However, all charges were paid for by insurers. Can you imagine how much it costs to be incurred by my husband if you do not have insurance for dental application for me. I know a friend who claimed to have to spend as much as $ 2,000 (USD 24 million) for dental husband has been in a very severe condition. This new gear, imagine if you experienced something like an accident, obstructed labor and operating costs need, and so forth. US healthcare costs are very expensive. Therefore, the insurance company to see this condition as the gold fields. As reported by ny instances, the number of Americans without health insurance decreased mainly after Obamacare or low cost Care Act extend enrollment (enrollment) for millions of residents without insurance in January. The number of Americans without insurance fell as much as 8 percent to number forty-one million in the first quarter of this year than in 2013, the decline has reached three, eight million people and in accordance with what the experts thought. With Obamacare, every company is required to provide insurance services for the workers and all US citizens are required to have insurance. If not, then for those who do not provide insurance for workers or residents who do not have insurance will be fined.
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Apply Online Insurance for Cars and Motor Vehicles
Get information and file a car or motorcycle loans through CekAja.com. On this page you can compare car insurance is protection as needed, car insurance, or motor insurance.
Insurance vehicle, either car insurance or motor insurance, is highly recommended for any vehicle owner. Why? Due to road conditions and unpredictable circumstances, as well as the risk of an accident is never unexpected advent. Definition of vehicle insurance is a type of insurance that bear special vehicles, where the risk is likely to occur in vehicles will be transferred to the insurance company or a guarantor. We can not predict what will happen in the future. Therefore, buying a car insurance policy is one way to anticipate the risks, eg by redirecting them to the insurance company.
Everyone will want to have good insurance. However, it is not easy to choose the insurance company of the vehicle. Many of which may be available and offered, but not necessarily able to provide the best service. Therefore, to get the best results how easy it is to compare insurance products online. Only CekAja.com which could provide a comparison of best and most complete insurance products that can provide all the services that you can choose.
In choosing car insurance, you may want a cheap insurance that has a full-service, cost of insurance premiums, insurance claims fast, affordable and workshop partners. However, a large insurance premium is generally determined by several factors, namely;
Get Affordable Car Insurance With Discounts from Nationwide
Get Affordable Car Insurance With Discounts from Nationwide
Dependable car insurance shouldn’t have to break the bank. That’s why Nationwide offers discounted rates on car insurance coverage and gives members a variety of ways to save. Learn more about our auto insurance discounts below and see if you qualify for an even more affordable rate. Get an online quote and start saving today with Nationwide.
Save with these car insurance discounts
Multi-Policy Discounts
Bundle your home, auto, life and other insurance policies with Nationwide and save with a discount.
Learn more about our multi-policy discount
SmartRide discount
Plug in, drive and start saving today. Earn discounts by joining our usage based insurance program that gives you feedback to make safer driving decisions.
Learn more about our SmartRide discount
Nationwide Family Plan
Share your discounts with other members of your household with our Family Plan. It’s an easy way for you and your loved ones to save.
Learn more about our Family Plan discount
Accident free discount
Nationwide rewards customers who are free of at-fault accidents and major violations. If you have at least 5 years of safe driving, you could be eligible for a more affordable car insurance rate.
Learn more about our safe driver discount
Paperless documents
Nationwide members who sign up for paperless documents may be eligible for a recurring discount on their auto policy.
Learn more about our paperless documents discount
Good student discount
Get an auto insurance discount when your teen earns a B average or above.
Learn more about our good student discount
Defensive driving discount
Complete an approved driver safety course and get a discounted rate on your car insurance. You may have to be over 55 to be eligible for this discount in your state.
Learn more about our defensive driving discount
Anti-Theft discount
For more affordable auto insurance, install an anti-theft device in your vehicle(s). You can earn a discount and stay safe.
Learn more about our anti-theft discount
Easy Pay sign-up discount
Save when you sign up for paperless billing and pay your bill by electronic funds transfer.
Learn more about our Easy Pay sign-up discount
Accident Forgiveness insurance
Discover how to keep your rates low in the event of an accident with Accident Forgiveness.
Learn more about Accident Forgiveness insurance
Affinity car insurance discounts
Save on your auto insurance if you are a member of a partner business or organization.
Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.
Dependable car insurance shouldn’t have to break the bank. That’s why Nationwide offers discounted rates on car insurance coverage and gives members a variety of ways to save. Learn more about our auto insurance discounts below and see if you qualify for an even more affordable rate. Get an online quote and start saving today with Nationwide.
Save with these car insurance discounts
Multi-Policy Discounts
Bundle your home, auto, life and other insurance policies with Nationwide and save with a discount.
Learn more about our multi-policy discount
SmartRide discount
Plug in, drive and start saving today. Earn discounts by joining our usage based insurance program that gives you feedback to make safer driving decisions.
Learn more about our SmartRide discount
Nationwide Family Plan
Share your discounts with other members of your household with our Family Plan. It’s an easy way for you and your loved ones to save.
Learn more about our Family Plan discount
Accident free discount
Nationwide rewards customers who are free of at-fault accidents and major violations. If you have at least 5 years of safe driving, you could be eligible for a more affordable car insurance rate.
Learn more about our safe driver discount
Paperless documents
Nationwide members who sign up for paperless documents may be eligible for a recurring discount on their auto policy.
Learn more about our paperless documents discount
Good student discount
Get an auto insurance discount when your teen earns a B average or above.
Learn more about our good student discount
Defensive driving discount
Complete an approved driver safety course and get a discounted rate on your car insurance. You may have to be over 55 to be eligible for this discount in your state.
Learn more about our defensive driving discount
Anti-Theft discount
For more affordable auto insurance, install an anti-theft device in your vehicle(s). You can earn a discount and stay safe.
Learn more about our anti-theft discount
Easy Pay sign-up discount
Save when you sign up for paperless billing and pay your bill by electronic funds transfer.
Learn more about our Easy Pay sign-up discount
Accident Forgiveness insurance
Discover how to keep your rates low in the event of an accident with Accident Forgiveness.
Learn more about Accident Forgiveness insurance
Affinity car insurance discounts
Save on your auto insurance if you are a member of a partner business or organization.
Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.
INTERNATIONAL HEALTH INSURANCE
International Health insurance or International Private Medical insurance (IPMI) covers the cost of medical treatment and services up to a predetermined limit for individuals residing outside of their country of origin, whether in Singapore, Kuala Lumpur, Dubai, Mumbai, Bangkok, Shanghai, Hong Kong or China. The medical expenses covered could include maternity charges, routine medical check-ups, medical evacuation or repatriation, just to name a few. The coverage is renewable on an annual basis and coverage can be worldwide, worldwide excluding USA or with further country exclusions or restrictions.
They are many types of IPMI products on the market and the cost varies a lot according to many factors such as country of residence, age, level of coverage, health condition, or in some cases, the nationality of applicants. Each insurer offers different types of underwriting, from Full Medical Underwriting to Moratorium to Continued Personal Medical Exclusions (CPME) underwriting.
In order to understand the fine prints and navigate through the complexity of International Health insurance or International Private Medical insurance, it is necessary to contact a professional health insurance broker to help you select the right product for you and your family.
They are many types of IPMI products on the market and the cost varies a lot according to many factors such as country of residence, age, level of coverage, health condition, or in some cases, the nationality of applicants. Each insurer offers different types of underwriting, from Full Medical Underwriting to Moratorium to Continued Personal Medical Exclusions (CPME) underwriting.
In order to understand the fine prints and navigate through the complexity of International Health insurance or International Private Medical insurance, it is necessary to contact a professional health insurance broker to help you select the right product for you and your family.
What Is Health Insurance?
What Is Health Insurance?
Health insurance is a type of insurance coverage that covers the cost of an insured individual's medical and surgical expenses. Depending on the type of health insurance coverage, either the insured pays costs out-of-pocket and is then reimbursed, or the insurer makes payments directly to the provider.
In health insurance terminology, the "provider" is a clinic, hospital, doctor, laboratory, health care practitioner, or pharmacy. The "insured" is the owner of the health insurance policy; the person with the health insurance coverage.
In countries without universal health care coverage, such as the USA, health insurance is commonly included in employer benefit packages and seen as an employment perk.
Is health insurance coverage a human right or another product one can buy?
In some countries, such as the United Kingdom or Canada, health care coverage is provided by the state and is seen as every citizen's right - it is classed along with public education, the police, firefighters, street lighting, and public road networks, as a part of a public service for the nation.
Health insurance documents
In other countries, such as the USA, health insurance coverage is seen somewhat differently - with the exception of some groups, such as elderly and/or disabled people, veterans and some others, it is the individual's responsibility to be insured. More recently, the Obama Administration has introduced laws making it mandatory for everybody to have health insurance, and there are penalties for those who fail to have a policy of some kind.
Everybody at some time in their life, and often on many occasions, will need some kind of medical attention and treatment. When medical care is required, ideally the patient should be able to concentrate on getting better, rather than wondering whether he/she has got the resources to pay for all the bills. This view is becoming more commonly held in nearly all the developed nations.
Managing diabetes - researchers from the Kaiser Permanente Center for Health Research in Portlant, Oregon, found that diabetes patients need continuous health insurance coverage for the long-term proper management of their disease .
Since the late 1990s, millions of US citizens have found themselves with absolutely no health cover at all. A collection of several different studies and surveys puts the number of "uninsured" Americans at over 50 million; tens of millions more have inadequate insurance.
A Commonwealth Fund 2011 report informed that 26% of all US citizens of working age experienced a gap in health insurance coverage; many lost their health insurance when they either became unemployed or changed jobs.
Children in the USA with private insurance are considerably more likely to have a primary care physician in America compared to those with public insurance or no insurance at all, according to a study carried out by researchers at the Children's Hospital, Boston. The authors added that levels of treatment in emergency departments varied significantly, depending on what type of health insurance they had.
Americans with long-term or serious illnesses are the least able to pay for their medical bills among the leading developed nations in the world, a Commonwealth Fund International Survey reported in November, 2011.
The Affordable Care Act made it possible for young adults aged between 19 and 25 to join or stay on their parents' health plans in 2011. A Commonwealth Fund report informed that 13.7 million young adults remained or got onto their parents' health plans; this included 6.6 million people who would not have been able to do so if the Act had not been signed.
According to an eHealthInsurance survey carried out in 2010, the average monthly premiums among its customers were $167 per month for an individual, with an average deductible of $2,632. Family plans cost an average $392 per month with a $3,531 deductible.
Two broad types of health insurance or health coverage
Broadly speaking there are two types of health insurance:
Private health insurance - the CDC (Centers for Disease Control and Prevention) says that the US health care system is heavily reliant on private health insurance. 58% of Americans have some kind of private health insurance coverage.
Public (government) health insurance - for this type to be called insurance, premiums need to be collected, even though the coverage is provided by the state. Therefore, the National Health Service (NHS) in the United Kingdom is not a type of health insurance - even though it provides free medical services for its citizens, it does not collect premiums - it is a type of universal health coverage.
Examples of public health insurance in the USA is Medicare, which is a national federal social insurance program for people aged 65+ years as well as disabled people, and Medicaid which is funded jointly by the federal government and individual states (and run by individual states), SCHIP which is aimed at children and families who cannot afford private insurance, but to not qualify for Medicaid. Other public health insurance programs in the USA include TRICARE, the Veterans Health Administration, and the Indian Health Service.
Health insurance is a type of insurance coverage that covers the cost of an insured individual's medical and surgical expenses. Depending on the type of health insurance coverage, either the insured pays costs out-of-pocket and is then reimbursed, or the insurer makes payments directly to the provider.
In health insurance terminology, the "provider" is a clinic, hospital, doctor, laboratory, health care practitioner, or pharmacy. The "insured" is the owner of the health insurance policy; the person with the health insurance coverage.
In countries without universal health care coverage, such as the USA, health insurance is commonly included in employer benefit packages and seen as an employment perk.
Is health insurance coverage a human right or another product one can buy?
In some countries, such as the United Kingdom or Canada, health care coverage is provided by the state and is seen as every citizen's right - it is classed along with public education, the police, firefighters, street lighting, and public road networks, as a part of a public service for the nation.
Health insurance documents
In other countries, such as the USA, health insurance coverage is seen somewhat differently - with the exception of some groups, such as elderly and/or disabled people, veterans and some others, it is the individual's responsibility to be insured. More recently, the Obama Administration has introduced laws making it mandatory for everybody to have health insurance, and there are penalties for those who fail to have a policy of some kind.
Everybody at some time in their life, and often on many occasions, will need some kind of medical attention and treatment. When medical care is required, ideally the patient should be able to concentrate on getting better, rather than wondering whether he/she has got the resources to pay for all the bills. This view is becoming more commonly held in nearly all the developed nations.
Managing diabetes - researchers from the Kaiser Permanente Center for Health Research in Portlant, Oregon, found that diabetes patients need continuous health insurance coverage for the long-term proper management of their disease .
Since the late 1990s, millions of US citizens have found themselves with absolutely no health cover at all. A collection of several different studies and surveys puts the number of "uninsured" Americans at over 50 million; tens of millions more have inadequate insurance.
A Commonwealth Fund 2011 report informed that 26% of all US citizens of working age experienced a gap in health insurance coverage; many lost their health insurance when they either became unemployed or changed jobs.
Children in the USA with private insurance are considerably more likely to have a primary care physician in America compared to those with public insurance or no insurance at all, according to a study carried out by researchers at the Children's Hospital, Boston. The authors added that levels of treatment in emergency departments varied significantly, depending on what type of health insurance they had.
Americans with long-term or serious illnesses are the least able to pay for their medical bills among the leading developed nations in the world, a Commonwealth Fund International Survey reported in November, 2011.
The Affordable Care Act made it possible for young adults aged between 19 and 25 to join or stay on their parents' health plans in 2011. A Commonwealth Fund report informed that 13.7 million young adults remained or got onto their parents' health plans; this included 6.6 million people who would not have been able to do so if the Act had not been signed.
According to an eHealthInsurance survey carried out in 2010, the average monthly premiums among its customers were $167 per month for an individual, with an average deductible of $2,632. Family plans cost an average $392 per month with a $3,531 deductible.
Two broad types of health insurance or health coverage
Broadly speaking there are two types of health insurance:
Private health insurance - the CDC (Centers for Disease Control and Prevention) says that the US health care system is heavily reliant on private health insurance. 58% of Americans have some kind of private health insurance coverage.
Public (government) health insurance - for this type to be called insurance, premiums need to be collected, even though the coverage is provided by the state. Therefore, the National Health Service (NHS) in the United Kingdom is not a type of health insurance - even though it provides free medical services for its citizens, it does not collect premiums - it is a type of universal health coverage.
Examples of public health insurance in the USA is Medicare, which is a national federal social insurance program for people aged 65+ years as well as disabled people, and Medicaid which is funded jointly by the federal government and individual states (and run by individual states), SCHIP which is aimed at children and families who cannot afford private insurance, but to not qualify for Medicaid. Other public health insurance programs in the USA include TRICARE, the Veterans Health Administration, and the Indian Health Service.
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