The first step in finding reasonably priced health insurance cover is of course to do your research and locate a health insurance plan that suits your needs and that comes in at a cost that you can afford. For many people this will mean looking first at any plan offered by an employer which will usually give you health insurance cover at the lowest cost but may not necessarily give you the cover you need or cover other members of your family. For other people the search for a suitable health insurance plan will start by sifting through the wealth of private policies on offer from a whole host of health insurance companies today.
The second step is then to submit an application for cover and this means starting by gathering up all of the required information for your application including things like details of your present or most recent health insurance policy, the details of your physician and the dates of your most recent medical treatments in case these are needed when you complete your application form.
If you have decided to opt for the health insurance plan offered by your employer then there will often be a qualifying period before you are able to join the plan, but this should not deter you from starting the application process. The application procedure for an employer's health insurance scheme is usually quite simple as the majority of plans will allow enrollment for eligible employees regardless of things like your current state of health or any pre-existing conditions.
Your employer will usually let you have an enrollment form and you will have to fill in your personal details including things like your address, social security number, and any dependents who will also be covered under the plan. In addition, you will have to add information about your employment such as the date on which you began work and, in cases where your employer's health insurance plan permits you to do so, the form of health insurance cover that you need under the plan. You might also be asked to provide details of any previous health insurance coverage including details of the insurance company and your policy number but you will not have to have a medical examination.
Should you be submitting an application for individual health insurance cover then the procedure will be very much the same but you may not have the benefit of someone to help in processing the application for you. This said, in most cases insurance companies will provide an insurance agent to discuss your application with you and to help you to process the paperwork if you wish.
Now the procedure involved in applying for health insurance cover is so easy that many people are choosing to apply for cover online. Here, you merely have to browse to the health insurance company's website where there will be an application form in a secure area of the website. Having entered the required details you merely click on the submit button and your application will then be processed by the insurance company.
If in today's climate of growing fraud you are not comfortable with providing personal details through the Internet then simply phone the insurance company and ask them to send out the application form which can then be returned in the usual manner through the post.
MedicalHealthInsuranceToday.com provides a wealth of information on everything from finding personal affordable health insurance to insurance companies that accept pre-existing conditions.
By : Donald Saunders
December 19, 2007
- Tips for Buying Mobile Phone Insurance
Do you really need mobile phone insurance? The answer depends, of course, on a number of different factors including which mobile you have and how likely you are to lose or damage your mobile - not to mention how many mobiles you're talking about.
If you favor top of the line trendy models, or have children who do, mobile phone insurance could be a worthwhile investment. That doesn't mean, however, that you need to pay over the odds for it. There are many reasonably priced options for mobile phone insurance cover.
Why insure my mobile phone?
"I'm always careful", you might be thinking. "I won't leave it behind anywhere." According to last year's crime statistics, there are over 10,000 mobile phones stolen in the UK each month. Another 3,500 or so get left behind on busses and trains or in cafes, and an astounding 1,200 are dropped down toilets or knocked into sinks. In all, about 15,000 mobile phones are reported lost, stolen or damaged each and every month.
And the cost can put quite a dent in your budget. While you may have got your mobile free with your phone plan, the phone companies won't replace your mobile for free or for £29.95. If you want to continue using your contract minutes - and you will be responsible for paying out the remainder of your contract - you'll need to fork out the full price for a replacement phone. In addition, you could be liable for any call charges if your mobile was used before it's loss is discovered. The cost of losing your mobile phone can easily top £500. Have you got a spare £500 sitting around?
Do I really need mobile phone insurance?
Perhaps not. Mobile phone insurance can cost you anywhere from £25 to £150 annually, depending on the insurance carrier that you choose. If you can reasonably replace your mobile phone for less than that, then mobile phone insurance is probably not a worthwhile expense for you. If you hae a replacement phone - perhaps left since your last upgrade - and your mobile provider still supports it, you may be fine without mobile insurance. In most cases, though, you'll find that it can be worth the expense - especially if you shop around for competitively priced mobile phone insurance.
Tips for getting the best value mobile phone insurance
1. Don't automatically accept mobile phone insurance when you buy your mobile. Those tend to be the priciest premiums of all.
2. If the salesperson or web site promises "Free Mobile Insurance" with all phones or with selected phones, be sure to check the details. In many cases, the cover is free for the first month. After the first month of cover, the regular premium will be tacked onto your mobile account charges, where you may not even realise you're paying it.
3. Speaking of not realising - are you already covered? If you've had the phone a bit and are just now thinking of insuring it, check the itemised details for your last account statement to be sure you're not already paying for insurance.
4. Shop around the independent insurers. You can get economy cover for a mobile worth up to £150 for as little as £2.49 per month - less than half what most of the major insurers are charging.
5. Consider an increase to your home and contents cover if you have many electronic and mobile devices that you carry with you. You can extend your contents insurance to cover your mobile devices, including your phone, PDA, PSP and other electronics when you take them out of your home.
6. Got a family of mobiles? Nearly 80% of the phones reported stolen or lost belong to teens. If you're insuring more than one phone, look for a company that will cover multiple mobiles on one policy.
By : Simon Markham
If you favor top of the line trendy models, or have children who do, mobile phone insurance could be a worthwhile investment. That doesn't mean, however, that you need to pay over the odds for it. There are many reasonably priced options for mobile phone insurance cover.
Why insure my mobile phone?
"I'm always careful", you might be thinking. "I won't leave it behind anywhere." According to last year's crime statistics, there are over 10,000 mobile phones stolen in the UK each month. Another 3,500 or so get left behind on busses and trains or in cafes, and an astounding 1,200 are dropped down toilets or knocked into sinks. In all, about 15,000 mobile phones are reported lost, stolen or damaged each and every month.
And the cost can put quite a dent in your budget. While you may have got your mobile free with your phone plan, the phone companies won't replace your mobile for free or for £29.95. If you want to continue using your contract minutes - and you will be responsible for paying out the remainder of your contract - you'll need to fork out the full price for a replacement phone. In addition, you could be liable for any call charges if your mobile was used before it's loss is discovered. The cost of losing your mobile phone can easily top £500. Have you got a spare £500 sitting around?
Do I really need mobile phone insurance?
Perhaps not. Mobile phone insurance can cost you anywhere from £25 to £150 annually, depending on the insurance carrier that you choose. If you can reasonably replace your mobile phone for less than that, then mobile phone insurance is probably not a worthwhile expense for you. If you hae a replacement phone - perhaps left since your last upgrade - and your mobile provider still supports it, you may be fine without mobile insurance. In most cases, though, you'll find that it can be worth the expense - especially if you shop around for competitively priced mobile phone insurance.
Tips for getting the best value mobile phone insurance
1. Don't automatically accept mobile phone insurance when you buy your mobile. Those tend to be the priciest premiums of all.
2. If the salesperson or web site promises "Free Mobile Insurance" with all phones or with selected phones, be sure to check the details. In many cases, the cover is free for the first month. After the first month of cover, the regular premium will be tacked onto your mobile account charges, where you may not even realise you're paying it.
3. Speaking of not realising - are you already covered? If you've had the phone a bit and are just now thinking of insuring it, check the itemised details for your last account statement to be sure you're not already paying for insurance.
4. Shop around the independent insurers. You can get economy cover for a mobile worth up to £150 for as little as £2.49 per month - less than half what most of the major insurers are charging.
5. Consider an increase to your home and contents cover if you have many electronic and mobile devices that you carry with you. You can extend your contents insurance to cover your mobile devices, including your phone, PDA, PSP and other electronics when you take them out of your home.
6. Got a family of mobiles? Nearly 80% of the phones reported stolen or lost belong to teens. If you're insuring more than one phone, look for a company that will cover multiple mobiles on one policy.
By : Simon Markham
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