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How To Get The Best Homeowners Insurance
A homeowner has the responsibility of protecting his home from unforeseen events that can cause irreparable damage to his property. Homeowners insurance policies, also known as 'HO Policies', protect the home against damage and provide insurance against loss of personal belongings. Homeowners insurance policies can be broadly classified into 6 categories.
How To Get The Best Homeowners Insurance
Choosing the Appropriate Policy
HO-1: This is the most basic homeowners policy that covers damage due to the following factors: fire, lightning, smoke, vandalism, theft, ice, snow, windstorm hail, riot and volcano eruption. Since this policy provides very basic coverage, its popularity has faded over the years.
HO-2: In addition to insuring against the above mentioned events, this policy protects against loss due to the following: freezing of plumbing, flooding due to plumbing overflow and heating system malfunction. Generally, mortgage lenders insist on homeowners insurance. This is because the house functions as their collateral. While HO-1 covers damage due to 11 factors, HO-2 protects against 17 factors that may result in loss of property and belongings.
HO-3: This policy provides protection against the perils of nature. The policy premium may be higher in case of homes located in areas prone to hurricanes and windstorms. The policy also covers up to $2000 worth of jewelery against loss due to theft. The HO-3 policy covers the cost of rebuilding the house in case the house gets destroyed. Just like the HO-2 policy, HO-3 covers the cost of damage to the house on account of flooding due to plumbing overflow and heating system malfunction. Liability suits that may be filed against the homeowner, by people who may get injured on the homeowner's property, are also covered by this policy. However, it provides no protection against floods and earthquakes. Hence, a homeowner is expected to buy additional insurance against flood and earthquakes.
HO-4 and HO-6: These policies do not cover any damage to the building. They only provide protection against loss of personal property. Hence, it is ideal for condominium owners and tenants.
HO-5: This is the most comprehensive policy. The cost of the policy is 15% more than the cost of HO-3. In addition to including the coverage provided by HO-3, this policy insures against loss of building and property due to a number of factors. Buying a package that provides protection against a number of factors gives peace of mind to the owner. Also, it is cheaper to buy a single policy that protects against a number of factors rather than buying individual coverage.
Shopping for the Best Quote
A homeowner should shop around for the best quote after deciding on the appropriate policy. The homeowner may get a good quote by installing motion sensors and surveillance cameras. In general, arming the house will help the homeowner get a good deal on the policy. The insurance company should have strong fundamentals and should not be involved in any insurance fraud. The homeowner should also be aware of any consumer complaints against the company.
A homeowners insurance cover is a must for every responsible homeowner. The amount of HO policy coverage for personal belongings is generally half of the amount of coverage provided for the home. Although a HO policy remains in effect, a landlords insurance policy is a must for houses that have been rented out or leased. This is because 'HO policies' are only designed to provide adequate coverage for owner occupied houses.
Best Travel Insurance
The concept of travel insurance is a contract of indemnity, wherein the insured person is protected from all kinds of risks that may arise in cases where he or she is traveling. Now there are several terms and conditions regarding the application and applicability of travel insurance, its premium, its time span and its coverage. The general convention is the premium of the policy is one paid and the coverage lasts from the start of the trip to its end. Let's have a look at the best travel insurance plans…
About Travel Insurance Plans and Policies
One very harsh truth, that all of us have to accept, is that when we travel, there is an inevitable risk. Accidents, falling ill, theft of baggage and getting lost, arrested or abducted are just a few of the many risks that can arise in the due course of travel. Fact is, risk is inevitable but a travel insurance can easily get us out of trouble in cases where accidents or some problematic event does take toll. A travel insurance specifically, includes certain medical, emergencies and financial expenditures that can arise as a result of some or the other undesirable incidence. The insurance policy categorically ensures that you reach home safe and sound.
The mechanism of travel insurance policies tends to differ from case to case, or from company to company. In most cases, as mentioned above, the premium is paid once coverage lasts for the duration of the travel. The premium of the policy differs in accordance with the age, distance and destination, ailments, etc. Businessmen frequent flyer's and corporates tend to have a comprehensive travelers insurance that extends to some years. Travel insurance, which involves flying, is also known as aviation insurance. Typically the best travel insurance plans tend to cover medical expenditure, expenditure related to emergency, evacuation, emergency flights due to medical emergencies, legal assistance, government and immigration related expenses, custom and tax related difficulties (note that these two expenses are applicable, only in cases where the expenditure is unexpected and applicable only in cases where the insured person had no knowledge of the expenditure), delayed departure expenses, emergency communications, etc. Some important variants of this insurance include, trip cancellation insurance and international health insurance for travelers both of which are available globally.
Best Travel Insurance: Reviews
In real life there is nothing such as a 'best' travel insurance policy as every insurance policy is bound to have some or the other drawback. Hence, one might wonder, how to look for the best travel insurance. There cannot be one parameter that can be used for the 'best travel insurance for Europe' and 'best international travel insurance'. Hence in such a situation, you will have to consider some other facts, such as, premium, coverage, and most importantly ratings. A. M. Best is a firm that looks after a rating model of most insurance companies and also their policies. Hence, if you want the best travel insurance companies, you will have to take a look at the ratings of A. M. Best. Financial ratings by this company include A++, A+, A, A-, B++, B+, B, B-, C++, C+, C, C-, D, E and F.
Travelex Travel Insurance (A+), Travel Guard (A) and Travel Insured (A) are the three prominent companies that are rated by A.M. Best. Here are some of the best travel insurance policies:
* The first one is a policy by Travelex Travel Insurance and is known as 'Travel Basic'. Travel Basic is a $15,000 sickness insurance coverage plan and also covers $15,000 worth of accidental assistance. In addition to that, it provides $100,000 for emergency evacuation coverage and $500 for lost baggage. Travel Basic is the best travel insurance policy for families on a vacation, or people who have a tight budget for travel.
* The second one is My TravelGuard, by Travel Guard, which covers a wide number of sub-coverages. This include medical assistance and individual health insurance coverages in slabs of $10,000, $25,000, $50,000 or $100,000. A coverage for theft of luggage again in slabs of $500, $1,000, $1,500 or $2,500, plus a medical evacuation coverage in $100,000 or $1,000,000 slabs. The specialty of this insurance policy is that you can choose the slab that you find most convenient and also useful. People who want to have flexible coverages can choose these slabs.
* Another company, Seven corners provides RoundTrip to vacationers. It provides $50,000 emergency medical insurance coverage, $1,000 coverage for baggage theft and a very healthy $250,000 for medical evacuation.
* CSA Travel protection provides a very good insurance policy known as WebDirect. This policy carries $50,000 coverage for emergency medical assistance, $1,000 coverage for delay and $1,000 for baggage theft or damage
Some of the other insurance companies that provide very good travel insurance include MH Ross Travel Insurance, Access America and HTH Worldwide. Note that, to get the best travel insurance, you will have to get the quotes, as in case of these policies the quotes differ from person to person on the basis of several factors such as age, income, medical condition, health, destination, etc. In some cases where the person is very old, or has quite a fragile health, the coverage is simply denied. I hope that the elaboration on best travel insurance is resourceful. Good luck.
Best Health Care in the World
As an ordinary citizen of your country, are you satisfied with the health care system of your country? Some may answer yes and some will disagree. However, the answer lies with the majority who may be satisfied or dissatisfied with the health care system in their respective country. It is very interesting to note as to which country takes concrete steps to keep its citizens hale and hearty. But, to decide which is the best health care in the world? The World Health Organization (WHO) is the best judge. If you too are interested in knowing where your country figures in the rankings of best health care in the world list by WHO, then read on.
Who Has the Best Health Care in the World?
One of the most important questions to be asked, who has the best health care in the world, has answers that reflect the overall health of the country. The best healthcare system in the world is that of France. This is a country that has a population of over 65 million people, has a government expenditure of over 250 billion USD, for the welfare of the health of its citizens.
France takes many precautions to ensure that its citizens stay healthy under all conditions. They have made it compulsory for each and every citizen to have an individual health insurance. They have even planned out the insurance for its citizens. The citizens of France have to pay about 5.25% of their salary or any earned income to the non-profit health insurance fund. Those on pensions or other benefits, like allowance, need to pay about 3.95% to the same for an affordable health insurance fund.
Citizens of France can enjoy many benefits of this health insurance. Most of the time, the health care treatment is almost free for people. Let me explain, suppose someone visits a doctor and pays the doctors about USD 1500 as fees. He pays the doctor his fees and then claims a 75% refund from the health insurance fund. Thus, he will get back USD 1125 from the national insurance fund. If this same person also has a private health insurance plan, he can claim the remaining $325 and pay nothing from his own pocket.
The only thing one needs to remember is to pay first, then claim. A patient needs to pay from his own pocket after receiving treatment and only then claim the refund. Therefore, if you cannot afford to pay more, you should avoid seeking treatment from expensive hospitals. As compared to the United States, France spends USD 4,000 dollars per person for healthcare. United States on other hand, spends USD 7,500 per person. There are about 3.4 physicians per 1000 people in France and 2.4 physicians per 1000 people in the United States. This shows that both these countries provide the best health care in the world. This was all about the best health care system in the world. Let us now see how other countries fare on the best health care in the world list.
Best Health Care in the World List
The following is the best health care in the world list that was last released in 2000 by the WHO. However, WHO has ceased to release such rankings anymore as this is a very complicated process to come up with the rankings of different countries offering the best health care system in the world.
1. France
2. Italy
3. San Marino
4. Andorra
5. Malta
6. Singapore
7. Spain
8. Oman
9. Austria
10. Japan
11. Norway
12. Portugal
13. Monaco
14. Greece
15. Iceland
16. Luxembourg
17. Netherlands
18. United Kingdom
19. Ireland
20. Switzerland
21. Belgium
22. Colombia
23. Sweden
24. Cyprus
25. Germany
26. Saudi Arabia
27. United Arab Emirates
28. Israel
29. Morocco
30. Canada
31. Finland
32. Australia
33. Chile
34. Denmark
35. Dominica
36. Costa Rica
37. United States of America
38. Slovenia
39. Cuba
40. Brunei
41. New Zealand
42. Bahrain
43. Croatia
44. Qatar
45. Kuwait
46. Barbados
47. Thailand
48. Czech Republic
49. Malaysia
50. Poland
51. Dominican Republic
52. Tunisia
53. Jamaica
54. Venezuela
55. Albania
56. Seychelles
57. Paraguay
58. South Korea
59. Senegal
60. Philippines
61. Mexico
62. Slovakia
63. Egypt
64. Kazakhstan
65. Uruguay
66. Hungary
67. Trinidad and Tobago
68. Saint Lucia
69. Belize
70. Turkey
71. Nicaragua
72. Belarus
73. Lithuania
74. Saint Vincent and the Grenadines
75. Argentina
76. Sri Lanka
77. Estonia
78. Guatemala
79. Ukraine
80. Solomon Islands
81. Algeria
82. Palau
83. Jordan
84. Mauritius
85. Grenada
86. Antigua and Barbuda
87. Libya
88. Bangladesh
89. Macedonia
90. Bosnia-Herzegovina
91. Lebanon
92. Indonesia
93. Iran
94. Bahamas
95. Panama
96. Fiji
97. Benin
98. Nauru
99. Romania
100. Saint Kitts and Nevis
101. Moldova
102. Bulgaria
103. Iraq
104. Armenia
105. Latvia
106. Yugoslavia
107. Cook Islands
108. Syria
109. Azerbaijan
110. Suriname
111. Ecuador
112. India
113. Cape Verde
114. Georgia
115. El Salvador
116. Tonga
117. Uzbekistan
118. Comoros
119. Samoa
120. Yemen
121. Niue
122. Pakistan
123. Micronesia
124. Bhutan
125. Brazil
126. Bolivia
127. Vanuatu
128. Guyana
129. Peru
130. Russia
131. Honduras
132. Burkina Faso
133. Sao Tome and Principe
134. Sudan
135. Ghana
136. Tuvalu
137. Ivory Coast
138. Haiti
139. Gabon
140. Kenya
141. Marshall Islands
142. Kiribati
143. Burundi
144. China
145. Mongolia
146. Gambia
147. Maldives
148. Papua New Guinea
149. Uganda
150. Nepal
151. Kyrgystan
152. Togo
153. Turkmenistan
154. Tajikistan
155. Zimbabwe
156. Tanzania
157. Djibouti
158. Eritrea
159. Madagascar
160. Vietnam
161. Guinea
162. Mauritania
163. Mali
164. Cameroon
165. Laos
166. Congo
167. North Korea
168. Namibia
169. Botswana
170. Niger
171. Equatorial Guinea
172. Rwanda
173. Afghanistan
174. Cambodia
175. South Africa
176. Guinea-Bissau
177. Swaziland
178. Chad
179. Somalia
180. Ethiopia
181. Angola
182. Zambia
183. Lesotho
184. Mozambique
185. Malawi
186. Liberia
187. Nigeria
188. Democratic Republic of the Congo
189. Central African Republic
190. Myanmar
This was all about the best health care in the world. The government spends millions of dollars for improving the health of its citizens. Some countries have a very strong primary health care system and few have strong primary as well as secondary health care systems. I hope this article on which is the best care in the world has helped answered your question.
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