Meet Central’s Job Rotational Program

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At Central, we believe that one of the best investments we can make is actively developing our employees. The insurance industry is constantly evolving, and true success is based on not only meeting the needs of today, but tomorrow as well.

As a part of our commitment to excellence, we strive to foster a culture of possibility and opportunity by providing a path to growth for our people. Established in 2021, Central’s Job Rotational Program gives participants a chance to experience placements in different departments, roles and areas of interest. The program is designed to support employee development while also fostering cross-department relationships, mentorship and collaboration. 

A typical JPR placement is approximately 18 months, and includes rotations through four different roles and departments. At the end of the JRP experience, rotational members can apply to their area of interest for a role.  There are currently seven Central employees participating in the JRP. 

We recently sat down with two of our current JRP participants, LaToya Scott, Human Resources Specialist, and Cason White, Claims Transformation Specialist, to learn more about their experience in the program.

Why do you think the JRP is important to Central?  

LS: The JRP gives employees an opportunity to dabble in different jobs, but ultimately it helps ensure that the right talent is in the right place within the company.

What drew you to the JRP?

CW: I wanted to make myself a more well-rounded employee by increasing my knowledge of the business side of Central.

LS: I spent 16 years in a “claims bubble,” consumed with claims and settlements. I didn’t have time to look ahead and think about what I really wanted in my future at Central. Participating in the JRP has helped me see a career path here that goes beyond a function or role.

How does your participation in the JRP tie into Central’s core values?

CW: Moving between departments is an opportunity to build deeper relationships with different teams and leaders. Learning about other areas of the company, tackling new projects and solving business needs for the company contributes to our spirit of excellence.

LS: In working closely with new and different people, I have built so many relationships and continue to learn new things every day.  

How does the JRP contribute to Central’s culture?

CW: Our culture starts at the top and perpetuates a learning atmosphere. We’re not afraid to try new things here, and that sends a message that it’s ok to try—even if you fail—because you might also succeed.


As we head into 2022, we’re also excited to announce the newest members of our JRP: Joanne Myers, Nichole Cox, Yixuan Du and James Garrett. Get to know them below:

Joanne Myers will be joining the Claims Transformation team as a Claims Workload Specialist. Joanne has been with Central for two-and-a-half years. She graduated from Bowling Green State University in 2018 with a Bachelor of Arts in Communication. Joanne enjoys spending time with her family and friends and going to the lake in the summer.

Nichole Cox will be joining the Underwriting team as an Underwriting Analyst. Nichole will be graduating from Bowling Green State University this spring with her BSBA in Finance, Insurance Risk Management, and Sales & Service Marketing. Nichole enjoys golfing, being outdoors, and spending time with her pets.

Yixuan Du will be joining the Claims Transformation team as a Claims Compliance Analyst. Yixuan has her Bachelor of Law from China University and her Master of Law from the University of Connecticut. Yixuan enjoys traveling and cooking in her free time.

James Garrett will be joining the Enterprise Intelligence team as an Enterprise Data Analyst. James will be graduating from Ohio Northern University with a Bachelor of Science in Business Administration, majoring in Finance with a minor in Marketing. In his spare time, James enjoys watching and participating in multiple sports, especially golf.

Want to learn more about what it’s like to work at Central? Check out our Careers page to learn more.

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Small Business Advice from Big-Time Executives

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Business: Small Business Advice from Big-Time ExecutivesInternet queries for advice about finding success in life, love, and business consistently top trending charts, while self-help titles touting one route or another as the road to greatness never fail to make their mark on the New York Times Bestsellers list. So, if you’ve ever wondered how to make that proverbial lemonade from the lot of lemons life may have dealt you, here are some bits of entrepreneurial wisdom from some of the world’s most successful people.

Use criticism as fuel.

Many times, proving a naysayer wrong is all the motivation necessary to make big changes.

“An insult is advice in reverse – and almost always proves to be the best advice you’ll ever hear.” – Barbara Corcoran, founder of The Corcoran Group.

Make your own meaning.

Nothing is inherently meaningful. So, the difference between success and failure might be more about perspective, than plot. You can bemoan the coworker that gets the promotion or see it as the final push toward an entrepreneurial investment in yourself – the choice is yours.

“Even though things looked dark and difficult, I had a choice. I could be a victim or use the opportunity to create a better version of myself and inspire others. That advice helped me reach the corporate executive suite and now helps me inspire other corporate leaders to shift their perspectives and see the possibilities.” – Michael O’Brien, executive business coach and author of Shift: Creating Better Tomorrows.

Surround yourself with people you admire.

Define your goal and develop relationships with those that have achieved it. Intrinsically motivational, following the movers and shakers in nascent industries and cultivating meaningful relationships with likeminded people and businesses can create a roadmap for support and success.

“Exposure to people who are more successful than you are has the potential to expand your thinking and catapult your income. The reality is, millionaires think differently from the middle class about money, and there’s much to be gained by being in their presence.” – Steve Siebold, CEO of Siebold Success Network and author of How Rich People Think.

Be persistent and trust yourself.

It may take years before your work yields the results you aspire toward, a concept gains traction, or the daily drudgery garners financial freedom. Consistently showing up for yourself and investing in your dreams is the best possible way to actualize them.

“Too often we look for immediate results, but anything of value takes time. As they say, “If at first you don’t succeed, try, try again.” – Marcello Arrambide, founder of Day Trading Academy and co-founder of SpeedUpTrader, a funding company for aspiring day traders.

Manifest, manifest, manifest.

Set clear, specific goals and visualize yourself achieving them. Take that vision and use it to define the activities of your daily life, the places you invest your energy, and the people with whom you surround yourself. There is wealth and abundance aplenty; you just have to seize it.

“The number one reason most people don’t get what they want is that they don’t know what they want. Rich people are totally clear that they want wealth.” – T. Harv Eker, self-made millionaire and author of Secrets of the Millionaire Mind.

Focus on earning and develop multiple streams of income.

Quitting the 9-to-5 and increasing your streams of income. Investments, side hustles, or real estate can exponentially increase earning potential.

“Three streams of income seems to be the magic number for the self-made millionaires in my Rich Habits study, but the more income streams you can create in life, the more secure will your financial house be.” – Thomas C. Corley, author of Rich Habits: The Daily Success Habits of Wealthy Individuals.

Invest your savings.

The only way to build income from savings is through investment. Take advantage of employer match 401(k) programs. Open a Roth or traditional IRA. Low-cost index funds, a Warren Buffett recommendation, can also be a great place to funnel income surplus. And, to make your savings efforts consistent, opt for automatic strategies: you won’t miss what you learn to live without.

“The only reason to save money is to invest it. Put your saved money into secured, sacred (untouchable) accounts. Never use these accounts for anything, not even an emergency. To this day, at least twice a year, I am broke because I always invest my surpluses into ventures I cannot access.” – Grant Cardone, self-made millionaire, author, and real estate mogul.

Be decisive.

Making decisions requires energy: gathering information, weighing costs/benefits, forecasting possible results. The more efficiently you make decisions, particularly those that can easily be reversed, the more energy and attention you have for navigating the unexpected and investing in yourself.

“Analysis of several hundred people who had accumulated fortunes well beyond the million dollar mark disclosed the fact that every one of them had the habit of reaching decisions promptly.” – Napoleon Hill, author of Think and Grow Rich.

For any insurance questions, call or contact Post Insurance and Financial today.

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What’s causing them and how to find relief

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Seasonal Allergies: What's causing them and how to find reliefWinter is almost over and trees are budding with the first signs that spring is in the air. A crocus pops its sweet purple plumes through the last ice crystals and we heave a collective sigh of relief that, with the winter chills, the myriad of mucus-producing viruses is finally leaving the building. And then, for many, that first fatal sneeze. Spring, in all her verdant glory, has ushered back in seasonal allergies and the snotty noses and congestion we hoped not to revisit until the fall. For many of us in Florida, seasonal allergies aren’t just a nuisance, they prevent outdoor recreation, socialization, yard maintenance, and a host of other activities that make summer, well, summer.

But what are seasonal allergies? Why are some affected, while others aren’t? And the million-dollar question: what, if anything, can we do to prevent them?

First, it’s important to understand that allergies develop when the immune system reacts, often overly so, to environmental factors ranging from pet dander, dust, mold, and pollen to insect bites and food additives. Some people’s immune systems simply react more energetically to these factors than others, and, thus, an allergy is born. Common symptoms of an allergic response are sneezing, runny nose, sinus congestion, headache, itchy/watery eyes, and rash (contact dermatitis). Seasonal allergies, often referred to as hay fever or allergic rhinitis, are just that: intense allergic responses that tend to develop during specific seasons, most commonly during times of high pollination, like spring and summer.

Depending on location, spring allergies can begin as early as February and last through the first month of summer. Then, summer allergies take over for the next few months and, if you’re one of the unlucky few, fall allergies, replete with a nice sprinkling of early colds and other viruses, make solid misery for many of the last few days before the snow flies again.

As one might expect, climate plays a large role in seasonal allergy specifics and severity. Tropical climates might mean grass, a common seasonal allergen, could pollinate year-round, while rainy areas might see greater mold growth. However, certain allergens consistently rank at the top of the list for spring/summer allergies, and others in the fall.

As aforementioned, the nature and timing of allergens will vary depending on climate; however, according to the American College of Allergy, Asthma, & Immunology, a few factors consistently determine prevalence.

  • Pollens flourish during cool night/warm day seasons and peak during the morning.
  • Molds thrive in heat and high humidity.
  • Pollen counts skyrocket after rain.
  • Windless days might provide some relief, as airborne allergens are less mobile; conversely, warm, windy days mean high pollen counts.

So, how do we help ourselves and our seasonal allergy-affected friends and family? The bad news: allergens are everywhere and moving anywhere other than the surface of the sun or Antarctica – arguably problematic locales for other reasons – won’t help. Treatment options, however, are innumerable.

First, do what you can to minimize the culprits:

  • Watch mold/pollen counts and avoid outdoor activities when they’re at their highest
  • Keep windows and doors in your house, office, and car shut during high allergy seasons
  • Shower and change clothes following time outdoors
  • Wear a mask when working outdoors.

It also might make sense to initially try some over-the-counter (OTC) allergy medications. Readily available at most drugstores and supermarkets in a range of options, seasonal allergy medications can do wonders to mitigate the severity of symptoms. If OTC medications prove ineffective, it might be time to see an allergist. Allergists can help you do more than just treat symptoms. They may complete testing to determine which allergens are the most problematic, offer prescription medication options, and initiate immunotherapy, or “allergy shots,” if indicated.

For any questions, call or contact Post Insurance and Financial today.

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Spring Tune-Ups for Summer Adventuring

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Spring Tune-Ups for Summer AdventuringWhile the bluster and bite of winter may still reign over much of the country, spring melts and the months of outdoor recreation they usher forth are just around the corner. Now is the time to survey summer gear and prepare for the active months ahead. Boating, camping, and cycling gear can all benefit from a seasonal tune-up. Here are some recommendations for fun summer adventuring.

Boating:

Boat maintenance is critical for the longevity and safety of your vessel, both on and off the water. The following should be completed prior to your craft’s maiden voyage each season.

  • Register – Make sure your registration is current to avoid expensive fines.
  • Clean – A quick wash inside and out with mild detergent prevents mold, stains, and the spread of invasive aquatic species. A final scrub and rinse with a boat hull cleaner will make your boat shine.
  • Inspect and Repair – Check for and repair any scratches, cracks, or damage that may impair safety and seaworthiness. Examine trolling motor and power trim as well.
  • Battery and Engine – Check that your boat’s battery has a sufficient charge and clean corrosion off terminals with baking soda and water. Then, drain old engine fuel, change the oil if necessary, and start it to ensure it’s running properly.
  • Lights – Test any lights that may be legally necessary for early morning or late night trips.
  • Trailer – Check trailer tire pressure, test the wheels independently, and confirm lights are in working order.
  • Safety Gear – Review gear for size and state law requirements to verify compliance. Finally, check for a functional fire extinguisher and first aid kit, as well.

Camping:

Taking a few minutes to inspect all your camping gear can save time, energy, and a host of headaches when camping season arrives. Give tents and sleeping bags a good shake, air out or clean if possible, and check seams for any necessary repairs. For tent camping, make sure you have all tent poles and stakes, sleeping mats, and supplies for inclement weather. Gather, clean, and/or replace cooking tools and supplies that may have expired. Finally, make sure you have functional lanterns and flashlights, with batteries for both, and any necessary safety, first aid, and survival gear.

Cycling:

Whether you’re headed up into the mountains or just taking a lazy trip around town, your bike will benefit from a quick tune-up prior to regular use. An initial wipe down to clear away last year’s grime may reveal areas of rust that require attention or replacement, particularly with brake cables and chains. Regardless, all chains benefit from a quick cleaning with degreasing solvent and a smear of chain lubricant. Comprehensive chain cleaning kits can be a great option, as well. Next, review and tighten brake cables, nuts, and bolts, making adjustments and further lubricating if needed. Make sure your fork is properly aligned and secure. Check all quick releases and tighten if necessary. Fill your tires and check reflective and other bike lights. Finally, take your bike for a quick spin, shifting through all gears to check for any further issues. If anything needs expert attention, take it to a local bike shop for a professional tune-up.

For any questions, call or contact Post Insurance and Financial today.

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7 Point Check List while Buying Car Insurance

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When you decide to buy a vehicle, the decision will always be special. So, do this task with proper planning because it also needs your hard-earned money. Prepare a excel sheet, comparing mileage, features, color details available in the list of models person is planning to buy and the works.

The obsession level may be high, but care a lot while finalizing a deal. Majority of people have a tendency that they pay maximum attention in zeroing in on the vehicle, but they never pay much focus towards the car insurance policy in India.

In fact, when it comes to policy renewal, probably the case is same. Insurance professionals suggest vehicle owners to pay enough attention while selecting the best car insurance plan online.

Below are 7 tips which will help buyers to make the correct decision about car insurance:

  1. Every insurer differently rates each brand of vehicles based on customers’ statistical analyses, claim history etc. Insurance companies in India update these ratings frequently; hence online comparison of similar products from various insurers is essential to get a better rate. But, ‘price’ is not the only factor customers should be looking for while selecting auto insurance coverage.
  2. Today, comparing and purchasing vehicle insurance policies become easier, faster and affordable. Buyers can get the policy issued immediately and can access it at one place.
  3. It is advisable to select an insurer which has a wide network of garages and offers cashless claims. It is the most convenient way for policyholders.
  4. Choose an insurer that has best claim settlement ratio as well as easy claim procedures. Just go online and then do a quick search about preferred insurance companies in India.
  5. Do not forget to select the correct add-ons for your vehicle as it helps to offer sufficient coverage for insured vehicle based on your individual requirements. Zero depreciation cover and no claim bonus protection are some of the most popular add-ons available on online car insurance policies India.
  6. Understand all the inclusions and exclusions related to the plan, so insured will not be surprise at the time claims.
  7. The best insurance service provider is the one that helps customers to find the best policy, give timely renewal reminders and guide through claim settlement processes.

Do not forget that choosing the right policy is very much important because it will help policyholders to secure their expensive purchase, a car without burning a big hole in your pocket.

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How to Negotiate with Car Insurance Surveyor

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Whenever your car meets with an accident, you have to inform the car insurance company in relation to the accident and submit all the necessary documents. The car insurance company then sends a surveyor who submits a report to the car insurance company on the settlement amount to be given.

If you have made a claim of Rs 1,00,000 but the car insurance company gives you only Rs 75,000. You then get the incident investigated by your own surveyor, he/she reports that you are entitled for a higher claim. In this case, the steps that you can take are discussed below.

You can approach the car insurance company with your arguments, if that does not materialize then you can approach the insurance ombudsman, then Insurance Regulatory and Development Authority of India (IRDAI). If you are still not satisfied with the result then you can take the legal route and approach courts.

In such cases, a resolution is not easily forthcoming. As per law surveyors need to be appointed for all claims above Rs 20, 000 which relates to vehicle or building damage. IRDAI allows either the policyholder or the car insurance company to appoint one and it is common that policyholders do appoint surveyors. They are independent authorities who can work either on appointed by policyholder or car insurance company.

It is not binding that the car insurance company accepts the report from surveyor appointed by the policyholder. The steps policyholder can take in such a scenario includes

Leave the Accident Site Untouched

You need to leave the accident site untouched, it is better to get things repaired only after surveyor completes the investigation of the incident. If you use the car then the insurance company may reject your claim. In case of accident of your car don’t tow the vehicle.

Present a Completed Claims Report

Your claims report should be thorough and needs to have proper justification. In case of damage to your car, you would have to describe the damages properly, if you leave out to mention about some dents and submit them as a separate claim then the car insurance company can reject it, in cases of accident always submit copy of FIR especially if there is injury to the third party, photographs of incident, your injuries and statement of witnesses would help your case.

Saving Records of Dealings

It is suggested that you have a copy of the discussions that you have had with an insurance agent and surveyor. All the emails should also be saved. If surveyor changes report later then these documents can come in handy.

Differentiate between old and new damage

While making a report for a claim, it is your responsibility to prove the latest damage on insured. If you don’t report new damage on time then the car insurance company would say it is an old claim and reject your claim.

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How to Save Money on Health Insurance

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We all want the best for our health care, but none of us are interested to spend more of our hard-earned money on that. Generally, healthcare costs are expensive and majority of people have a tendency to spend more on their homes, families, on things they can enjoy. But, you can save some handsome amount of money on health insurance premium by following below mentioned steps:

Be healthier! If person has good standard of living, then he or she can pay much less than those who have bad habits like smoking, drinking etc. for Mediclaim policies. Follow a good diet, do exercises and avoid bad habits for a good lifestyle.

Insurance companies in India offer you online health insurance quotes based on your health status. If you really want to get affordable healthcare plan, then you must stay as healthy as possible.

Pre-existing health conditions increase the cost of Mediclaim policy. Due to healthy lifestyle, person may have far less pre-existing health issues. It means when you decide to buy a plan, work hard towards getting healthier by selecting a good lifestyle.

  • Preventive care is another important factor that helps you to reduce the insurance costs. If any medical treatment you really should have done, then don’t think too much and get it done as early as possible. If you avoid such expenses, then you’ll have to pay the enormous fees in case the problem grows.

  • Last but not the least, do research before finalizing the best health insurance that suits your needs and budget both. Get online quotes from different insurance companies in India and then take a decision. Provide all the relevant details to the insurer while generating quotes online. Careful analysis will help you to bring down the premium cost.

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Factors to Consider When Choosing a Health Insurance Plan

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Health insurance has become a key component of any preparation against any kind of medical emergency and considering the exponential rise in costs associated with the treatment of illnesses or NY surgery could drain out the life savings of the person. Choosing the right health insurance policy from a gamut of health insurance policies can be a daunting task. However, PolicyBoss can help you with the things to know before buying health insurance policy in India. Selecting a wrong health insurance plan for yourself can lead to disappointment. Choosing a health insurance plan that is best suited to you is a prerequisite for a secured future.

Seven Things to Consider Before Buying Health Insurance:

  1. Type of Plan and Provider Network:

It is imperative to note that in network medicinal and services costs are covered under the features of the plan, however for out-of-network services and medicines are not covered and they are not counted towards a plan’s out of pocket maximum. One needs to check whether health care provider and pharmacy near policyholders place is included in the plan’s network.

  1. Premiums:

Premium is the amount a policyholder would have to pay to the insurance provider for the sum assured whether or not he uses the pharmacy and medical services. One needs to note that there are also other costs associated with the coverage. Premiums can be paid in monthly, quarterly, half yearly or yearly mode. A default in the payment of premiums can put the policyholder at risk of losing health coverage.

  1. Specialists

If you have specific medical which need the services of specialists in the future, find out whether you will be able to use specialist and the procedure to be followed. Check to see if the specialist you are in contact with will be accepted.

  1. Pre Existing Conditions or Waiting Periods:

One needs to be extra careful when checking that whether the pre-existing diseases would be covered in the health insurance policy and if there are any waiting periods for these pre-existing diseases to be covered.

  1. Co-Pay or Co-Insurance:

Find out the deductibles you would have to pay before the health provider would pay for the costs. One needs to find what percentage of costs, a health care provider would pay if one needs to take services of doctor, hospital or an emergency room in hospitals which are out-of-network. Some of the health plans have lifetime limits on how much health insurance provider would pay or a yearly limit.

  1. Coverage of Medicines:

Every insurance company has a formulary or list of the medicines that are covered under the plan. If the medicines is not under the coverage of the policy then policyholder would have to take up a potentially lengthy process to take coverage. The list of the medicines are broken down in tiers which determines how much of co-pay or coinsurance one would have to pay. It’s better to compare your current medicines and to compare it with plan’s formulary and understand out of pocket expenses which could be associated with them.

  1. Exclusions:

One of the most ignored section but a crucial one for prospective policyholders, one needs to look carefully on the plan’s exclusion list to find out what is covered and what is left out and to check if any of conditions one is expected to have has been left out from the list.

Compare and choose the best health insurance plan online

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Learn Why Health Insurance Claims Get Denied

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All human beings are exposed to several health problems and thus, a person requires a health insurance policy to safeguard himself/herself and his/her family against unexpected medical emergency or bodily injury. These emergencies may put a huge financial burden on your pocket. Therefore, once you have taken a health insurance, it is difficult to ensure that your claim doesn’t get denied during a medical emergency.

Following are the premises on which an insurance firm can reject health claims:-

Delay in Intimation

During a medical emergency, immediately dial toll-free contact number provided by the insurer/agent/broker to expedite the claim settlement process. The insurance firm can refuse your claim in case of any delay in intimation.

Any costs that come under exclusions

The claim will get rejected if policyholder claims any expenses which come under exclusions. Moreover, any claim for diagnostic charges, hospitalization, investigation charges, which do not make sure about the illness or injury existence also might get refused by the insurance company. Expenses like fax, telephone, toiletries, food & beverages etc are generally excluded.

Diseases which are not listed under the policy

Read the documents carefully while purchasing the policy and make sure that you understand every detail related to the inclusions, exclusions, benefits, claim process and coverage. Clarify your all doubts about the health insurance plan and also declare pre-existing diseases, if any, while filling up the proposal form. If any disease is not listed under the policy, then your insurance firm might refuse your health claim.

Exhausted Sum Insured Limit

In case policyholder have already exhausted sum insured limit under his/her policy, then the company might refuse your claim.

All kinds of fraud, misrepresentation or non-disclosure

Make sure that you answer all questions correctly while filling up the proposal form as insurance is a contract of good trust requiring the customer to open all material facts. If buyer thinks any fact is material, then please mention it.

The insurance shall become voidable at the option of the insurer, in case of any incorrect or untrue statement, non-disclosure in proposal form, misrepresentation, declaration, personal statement or any other statement. If you withhold any material details, then the company might refuse your claim on that basis.

Maintain Regularity in Paper Work

Always submit all the essential documents along with original reports related to the policy to the insurance company. Ensure that medical bills have stamped and preferably numbered. Keep all the documents like a policy, claim form, bills, discharge card/certificate, receipt and medical prescription to be in proper sequence.

If the company finds any fraud intention during the procedure of claim settlement or investigation, then also company can deny your claim.

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The Best Time to Buy Health Insurance is Right Now

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In a World full of uncertainties one has to plan for the unplanned events like the medical emergencies, hospitalizations. People have become more aware of the health and mediclaim policies which is an encouraging sign. However many people are of the view that health insurance is best to be bought after a certain age and are of the belief that after 40 is a good age to think about taking up a health insurance policy. Many ponder as to what is the best age to buy health insurance or the best time to buy health insurance.

One more term to buy health insurance is ASAP (As Soon As Possible). Many of the people use their current good health as a parameter for their delaying decision to buy a health insurance. Even the ones who have purchased are apprehensive of their renewal of health insurance policy and delay their payment of premium till the last moment and many of the health policy fall in the lapsed state. The percentage of people who treat health insurance as an investment is less but is expected to grow as awareness about the benefits of health insurance is growing.

  1. Delay in Buying Health Insurance Can be Harmful:

Hoards of people realize the importance of health insurance only after they are besieged with a health issue or some kind of illness. This could be a result of ill health or prospective sudden realization about their bad health after they reach around 50 to 55 years of age and seeing the high cost. Insurance is a tool wherein the risk of the individual is transferred from the individual to insurance provider, therefore Insurance Companies weigh in the risk and then decide whether the person should be given insurance or not. In general insurance provider are hesistant to provide insurance to people above age of 55 due to the risks that are associated with old age. Therefore beyond a certain age the options for health insurance for the customer becomes limited and one then would have to buy from the limited prospects that are available to him.

  1. Benefits of Buying Health Insurance Early:

One of the benefits of buying health insurance early is that he/she would have to pay a lower premium as insurance premium is low when the policyholder takes the insurance at a young age. Also by taking health insurance early, the policyholder has equipped himself with financial shield against the prospective health related expenses and in case of any medical emergency.

Do not wait for any accident or condition to happen which forces you to look out desperately for health insurance. It’s better to be safe rather than sorry. Would you like to take a hasty decision or a well informed and thought out decision. People who have employer provided health insurance should definitely opt for an individual health insurance plan and look to directly establish connections with the health insurance company. Premiums offered by the group insurance cannot be changed as per the needs of the individual. Therefore for individual customized policy solution, one definitely needs to go for individual policy.

Key Features of a Good Health Insurance Plan:

A good health insurance plan would include the following features, kindly note that the list is not exhaustive.

  1. It is designed as per the needs of people and is uniform in its feature and doesn’t vary according to regions.

  2. It lists best facilities and services.

  3. Has a facility of lifelong renewal.

  4. Has a simple policy issuance procedure.

  5. Has the cashless hospitalization procedure.

  6. Empaneled hospitals and health service providers should have well qualified doctors.

  7. Should have clear terms and conditions which are stated clearly and in a simple manner for the policyholder to understand.

  8. Should be free of sub-limits in case of coverage offered.

  9. Medical expenses for Outpatient and inpatient services.

  10. Could also include treatment under Unani and Ayurveda and Homeopathy.

Buy Health Insurance Plan Right Now!

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