Healthcare, Health Insurance, Vitamins, Nutrition

September 30, 2009

Student Travel Insurance – Patriot Student Trip Insurance

Filed under: Health Insurance — Tags: , — blogadmin @ 6:33 am

Securing quality education overseas is always an extremely lucrative academic prospect for an ambitious student. However, foreign education often entails a lot of expenditure and a thorough groundwork needs to be performed. During this period, the last thing a student requires is an unforeseen medical/ peripheral event jeopardizing this process. The comprehensive coverage of a travel insurance and emergency travel assistance program insures the student’s journey and trip expenses against these disruptions.

An unfortunate medical or subsidiary condition (e.g. bankruptcy/ insolvency of travel operator/ airlines firm) could end a student’s overseas academic aspirations. Patriot Student Trip’s exhaustive coverage benefits ensure that a substantial part of the input cost is reimbursed or recovered on cancellation of the insured trip.

Patriot Student Trip insurance policy offers policy subscription to only certified students who are under 25 years of age. The academic tour must be certified by an established educational institution and should be for a pre-ascertained period of scholarship.

Patriot T.R.I.P (Travel Itinerary Protection) Student insurance policy arranges for the recovery of particular non-refundable payments that were utilized for the trip. The international student travel insurance coverage also ensures the recovery of unused payments, security deposits and the amount for purchased tickets or travel passes. The insurance policy assures the student of providing dedicated multilingual service, claims administrations and telecom assistance that is globally active, 24×7.

Patriot T.R.I.P Student insurance incorporates several different coverage clauses for trip interruptions and cancellations, trip delay, loss/theft of luggage and critical health conditions. The international travel insurance policy offers a substantial elective coverage amounting to a maximum of $5,000 per student per trip. Patriot T.R.I.P Student insurance also recovers/ defrays non-refundable expenditure for trip cancellations necessitated by sickness/demise of the insured or of any member of the immediate family. A substantial part of the coverage is also offered to the policyholder for events like terrorist attacks/ threats, adverse climatic conditions and natural disasters.

Patriot T.R.I.P Student insurance covers up to $300 for unscheduled delay in travel and up to $500 per student for theft/loss/ irreparable damage to personal luggage. Admissible clauses that are accepted to cause for travel delay are negligence/ delay on trip administrator’s part, loss of travel documents, inclement climate and accidental injuries.

Necessary emergency medical services of primary and peripheral nature (amounting to a maximum of $10,000) are also arranged by the patriot student trip insurance policy. The policy also renders services like engaging medical transport and prescribed intensive care units, medical evacuation and repatriation of mortal remains.

Patriot T.R.I.P Student insurance policy ascertains certain pre-existing medical conditions and symptoms that would be excluded from coverage. An extremely lucid online application process, affordable yet effective recovery services and active global assistance makes Patriot T.R.I.P Student insurance the policy of choice for international students.

September 29, 2009

International Health Insurance Types

Filed under: Health Insurance — Tags: , — blogadmin @ 5:43 am

Short Term international health insurance plans are designed for people who are traveling outside their home country for a period of less than 1 year. These international insurance plans are generally preferred by executives and missionaries who travel abroad for work or vacationers who are planning a trip overseas for a couple of months.

The short term insurance plans offer coverage benefits for all age groups and are most beneficial for those travelers who are less than 70 years old. Dependent children and spouse are also eligible for coverage under the short term plans.

These plans offer medical coverage benefits for injuries and illness that may require doctor consultation, hospitalization, surgeries and also emergency repatriation. Pre-existing medical conditions that already exist at the time of enrollment would not be covered under the short term insurance plan. In addition, these plans do not cover vaccination, dental care, diagnostic tests and routine check-ups.

Short Term international insurance plans can be bought for a period of 5 days up to 1 year and can be renewed for 36 consecutive months. In case you require insurance coverage for more than a year, you may consider long term health insurance plans.

Long term international medical insurance plans are designed for individuals planning an overseas trip for more than a year. Travelers can opt for a variety of services and coverage benefits based on which the premiums would be calculated. These plans are generally renewed every year depending on your stay overseas.

Long term plan is designed for overseas travelers, marine crew workers, missionaries, professionals, expatriates and other executives who are planning a trip abroad for more than a year for personal or professional purposes and may come back to their homeland multiple times in a year.

The long term international health insurance plans offer worldwide coverage across all countries in the globe. These global health plans offer coverage for individuals even in their native country as against short term insurance policies which offer only limited coverage in the homeland.

Individuals can choose between two types of coverage benefits while purchasing these international travel insurance plans – Fixed and comprehensive benefits. Depending on the type of coverage, a variety of medical expenses are covered which include surgeries, hospitalization, maternity coverage, preventive care (after a waiting period), doctor consultation, emergency evacuation and Repatriation and medical assistance during any other exigencies.

September 28, 2009

Trip Cancellation Insurance – Round Trip Insurance

Filed under: General — Tags: , — blogadmin @ 4:41 am

Round Trip travel cancellation insurance plan is advisable for individuals planning on cruise vacation and holidays which require advance booking of accommodation as well as other beneficial packages. This trip cancellation insurance policy offers coverage for a wide range of circumstances including trip interruption, cancellation or delay, emergency medical evacuation or repatriation and any other immediate medical assistance required during the travel. In addition, the insurance plan also offers coverage for loss of personal belongings as well as baggage delays.

Individuals can buy this popular trip cancellation insurance policy to have a worry-free travel from common risks like accidents, injuries and loss of belongings. Expenses incurred due to cancellation of non-refundable trips and un-utilized advance bookings are reimbursed in case your travel gets interrupted or canceled due to unexpected circumstances.

Round Trip Choice travel insurance plan can be purchased to enjoy enhanced benefits and additional coverage amounts for the travel risks. The cancel for any reason benefit entitles the insured to claim expenses incurred for non-refundable travel tickets.

Round Trip cancellation insurance can be bought by the residents of the US or individuals looking for medical insurance coverage within the US. Dependent children are also entitled for the coverage benefits in case they are less than 19 years old.

The policy is generally valid for up to 30 days from the effective start date unless the insured chooses to purchase for additional days. Travelers should cover the entire trip including air fare in order to be eligible for the trip cancellation benefit. Under all circumstances, the reimbursed amount would not exceed the initial payment for the trip.

The effective start date of round trip travel insurance plan begins on the midnight of the receipt of completed enrollment form either by paper application, mail or fax along with the initial premium. The eligibility of most of the benefits starts right from the effective date of the travel cancellation insurance plan.

For instance, trip cancellation services, cancel for any reason benefit as well as emergency assistance becomes effective immediately after completing enrollment of the Round Trip travel cancellation insurance policy

Other optional coverage such as missed flight connection or trip delay reimbursement becomes eligible during the to and fro of your covered trip. Collision damage waiver starts on the day of your departure and is valid for 30 days (unless additional days are purchased) after the Round Trip travel medical insurance plan becomes effective or when the covered trip ends (whichever event occurs first).

September 25, 2009

Marine Yacht Crew Insurance

Filed under: Health Insurance — Tags: , — blogadmin @ 4:58 am

The life-style of a yacht crew member is quite exciting and adventurous. The crew travels to new places, cities and countries. Despite the improvement in safety standards of sea voyages; health, safety and security of crew members continues to pose a big risk. Yacht Crew health insurance offers around the year coverage for the adventurous marine crew members.

Yacht crew health insurance addresses the need for global health protection of marine crews. The Yacht Crew Insurance policies are specialty insurance plans that cover health risks worldwide. These yacht crew health insurance plans have no country or regional boundaries.

The marine crew insurance is available to mariners of any country, provided they are crew members deployed in international waters. These yacht crew plans offer comprehensive medical benefits like emergency hospitalization, surgery and nursing care. These marine crew plans also cover less life threatening issues like doctor visits and prescription medicines.

Marine vessels and accompanying crew members can only be in domestic waters and territories for fraction of a year. In other words marine crew health insurance is an international insurance plan and as such requires the crew to travel and be away from home for a good portion of the year. Some marine health insurance plans mandate that the crew travel away from home-land for more than 6 months in a year.

In addition to in-patient and out-patient medical coverage these marine crew health insurance plans include benefits for medical evacuation and repatriation of remains. So, if an insured crew member has a sudden heart attack then a specially equipped airplane can transport the person to a hospital nearby. Also, if a marine crew member passes away then the plan can pay for the costs for returning the remains back home.

Very few Yacht Crew Insurance can cover pre-existing illness or sicknesses. Most of the plans will either grant coverage conditionally excluding these sicknesses permanently or for a certain number of years. The exclusion period can vary with the company and the sickness of the individual.

Yacht crew health insurance draws support from the underwriting services of large insurance companies. These international health insurance companies have years of experience in this segment and have reliable financial ratings. These yacht crew health insurance plans are backed with around the clock help line and global evacuation networks.

Dental and Vision coverage on Yacht Crew Health Insurance plans are usually optional. At additional price one can purchase these options. Routine care, filling and root canals are covered under the dental option. The vision option would include a periodic eye exam and contact lens/spectacles supply.

September 24, 2009

Visitor Insurance – Patriot America

Filed under: Health Insurance — Tags: , — blogadmin @ 4:45 am

Patriot America Visitor Insurance policy caters to the non-US citizens who are planning to travel abroad. It is a comprehensive visitor medical insurance plan which is popularly chosen by individuals whose relatives are planning visit the US for a short stay.

This visitor insurance policy, which is been underwritten by Sirius International, an established organization, has won excellent rating from AM Best company for its coverage benefits offered to customers are nominal rates.

This flexible visitors insurance plan can be purchased for duration as short as 5 days up to even 2 years. Online purchase is beneficial, otherwise fax or mail can be sent to your insurance provider for purchasing this visitor health insurance policy.

Individuals who purchase the Patriot America visitor insurance online would receive a renewal notice 2 weeks before the expiry of the policy reminding them for renewing. However, this facility is available only for those people who buy the policy initially for a minimum duration of at least 3 months.

Many visitor insurance policies are renewable. Renewals of the Patriot America policy can be done on a monthly basis or on a daily incremental basis. If the renewal is applied for less than a month, you can only renew online and a processing fee is charged. In case of renewals for more than a month, a paper application form can be submitted.

Health insurance for visitors typically offers the convenience of network providers. Patriot America insurance has an excellent PPO network tie-up consisting of more than 4,500 hospitals and 5 lakhs physicians. For best benefits, treatment needs to be taken from any of the experts or organizations who are tied with this network.

The Patriot America insurance plans offer a range of medical benefits like emergency medical assistance, local ambulance transport to the nearest medical facility, in-patient and out-patient admission facilities, hospitalization expenses and surgeries that are required immediately.

Typically, this visitor medical insurance policy allows full refund under some circumstances. For example, if the individual cancels the Patriot America visitor health insurance policy before the effective start date, the full amount is reimbursed. However, if cancellation is applied after the effective start date and the insured has not filed for any reimbursements under the visitor medical insurance plan so far, the full monthly premiums remaining is reimbursed after deducting a nominal fee for processing the request.

September 23, 2009

Charity event to benefit the Chloe Duyck Memorial Fund for Heart Defect Research

Filed under: Nutrition — admin @ 8:49 pm

Heartoberfest to Raise Big Hope for Tiny Hearts Texas Country Singers Gary Kyle and Jeff Allen in Concert Exciting Silent Auction Items Fireworks, Eurobungee, Rock Climbing, Face Painting, Bounce Houses and Carnival Games Dallas, Texas – September 23, 2009 — The fifth annual charity event, Heartoberfest, will take place from 5:00 p.m. to 9:00 p.m., on Saturday, October 10, 2009, at the famous Southfork Ranch in Parker, Texas. The event, including a concert by Texas country music singers Gary Kyle and Jeff Allen; large silent auction, and outdoor activities for the children, benefits the Chloe Duyck Memorial Fund for congenital heart disease research. Organizers hope the Heartoberfest event and fundraiser will continue to raise the much needed funding and awareness for congenital heart disease (CHD) research. To date, the Chloe Duyck Memorial Fund has raised much needed funding and helped support groundbreaking research on the subject of blood products required for children undergoing open-heart operations. Concert: Gary Kyle, with the single “Late Night Run Around,” will kick off the the musical performances at 6:00 pm.

Jeff Allen, with the Texas Music Chart hit “Raised on Getting’ By” (#8 on the charts and still climbing) will take the stage around 7:30pm to wrap up the evening’s musical performances. www.garykylemusic.com www.jeffallenmusic.com Food & Activities: Admission includes many of the outdoor activities – rock climbing, eurobungee, carnival games, face painting, and bounce houses. A performance of the story ballet, The Puppet Fairy, by the Ballet de Force is a new addition to this year’s event. The event concludes with a fireworks display. Silent Auction: An autographed guitar by Blue October and Switchfoot; an autographed custom guitar signed by Texas artist, Johnny Cooper; a catered dinner by Chef Eric Shelton, a unique Ukranian Egg; a leather Coach handbag; a wine tasting; and a trip for two to see the Grammy Music Awards and afterparty in Hollywood are just a few of the many silent auction items available for bid during the event.

Tickets: Tickets for the event are available online at www.hope4tinyhearts.com. Tickets are $10 for adults, and $8 for children three and up. At the door, tickets are $15 for adults and $12 for children three and up. Event sponsors include: Nordstrom, Silver Star Plastering, Inc., Soltek Spine, LLC, Texas Back Institute, Waters Edge Music, Baylor Medical Center of Frisco, Synthetic Textures, Inc., Dugan’s Travels and Moms Out Loud. According to the American Heart Association, one million Americans have a congenital heart defect.

Recent research reports one out of every 85 babies are born with heart defects each year in the U.S. And, nearly twice as many children die from congenital heart disease in the U.S. each year as die from all forms of childhood cancers combined. Michelle Duyck says, “We had no idea that heart defects were the most common and most fatal of all birth defects until we lost Chloe during open heart surgery. That was our eye-opener and called us to action.

We look forward to a day when more children survive these serious heart defects and that’s why we continue to try and raise big hope for these tiny hearts.” The Chloe Duyck Memorial Fund was established for Chloe by her parents Michelle and Joel Duyck in 2005. Chloe was born on August 30, 2004, and lost her short battle with a congenital heart defect known as Hypoplastic Left Heart Syndrome (HLHS), on September 3, 2004. Chloe had endured two open-heart surgeries as well as several other procedures to try and save her life, but to no avail. The Chloe Duyck Memorial Fund was established to support research in the field of congenital heart disease. The fund is part of the Cardiopulmonary Research Science and Technology Institute (CRSTI), 501(c)3 not for profit organization.

100% of the event proceeds go to fund congenital heart defect research. Event Details Who: Gary Kyle, Jeff Allen and family friendly entertainment What: Heartoberfest Where: Southfork Ranch, 3700 Hogge Dr. Parker, TX 75002 When: Saturday, October 10, 2009 – 5pm-9pm Media: Media passes are available and interviews may be scheduled. For more information contact: Michelle Duyck Phone: 214-529-3365 email: michelle@hope4tinyhearts.com website: www.hope4tinyhearts.com
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