Posts Tagged ‘Insurance’

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Insurance And Medical Tourism

Comments: 0August 19th, 2010 by

A lot of people are wondering if their current insurance policy can cover medical tourism packages. You should know that some individuals have fallen prey to dishonest individuals who promise quality treatment and accommodations but are truly only interested in getting their cash quickly. Others experienced worse by being treated by doctors who are not truly experienced or qualified to perform different procedures and surgeries. Here are tips.

For Medical Tourism Operators

If facilitators are sued by the patient for negligent acts or unintentional misrepresentation of data, a policy regarding professional liability policy will then include the amount lawfully needed to be reimbursed by the facilitator, plus the costs for defense. The policy can be fixed to cover intellectual property, claims against the patient who has the insurance from actions of agents, consultants and sub-contractors, loss of documents, breach of confidential data, libel and slander and joint venture liability.

Personal accident insurance for operators of medical tourism is also available. This is the personal accident coverage that provides a pre-agreed amount, should the medical tourist become disabled permanently or dies during the medical tour or vacation. The compensation will be given immediately and can save beneficiaries from having to go through long and expensive litigation procedures.

The policy can be fixed to cover evacuation and repatriation, dismemberment or accidental death resulting from a medical process, permanent incapacitation because of medical procedure and hospitalization and medical expenses coming from the accident.

Availability of Insurance  Read more...

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Posted in tourism tips

How and Where to Get Flood Insurance in the Carolinas

Comments: 0July 21st, 2010 by

How and Where to Find Flood Insurance in North and South Carolina, Without Taking Out Another Mortgage

Since the disaster of Hurricane Katrina the nation has taken a long hard look at the insurance industry, with sweeping changes for consumers, especially those living in coastal areas. From Florida to Long Island, insurance companies are raising their rates drastically, or even refusing to cover people. Thankfully states like North Carolina and South Carolina have taken steps to protect their coastal areas and the people who live their. In addition, the Federal Government has also stepped in to help alleviate the troubles caused by flooding, which happens to be 26 times more likely than fire, according to the Federal Insurance Administration.

The Federal Emergency Management Agency (FEMA) has identified over 19,000 communities nationwide which are susceptible to flooding. For those residents, FEMA has established the National Flood Insurance Program. To find out if your community participates in the program, visit www.fema.gov/fema/csb.shtm. North Carolina has 486 participating areas, and South Carolina has 205 areas. The numbers include both towns and counties, so there is a good chance your area is covered.

The National Flood Insurance Program covers residences, commercial properties, and renters. The insurance isn’t prohibitively expensive, especially considering what you can loose. Premiums average around $400 per year for residences and provide coverage for up to $250,000 of structural damage, and $100,000 of personal property. Renters are able to cover up to $100,000 of personal property. Commercial property premiums are slightly higher, and provide coverage of up to $500,000 combined for structural and property damage. The first step in educating yourself about flood insurance is to visit www.floodsmart.gov, which is the National Flood Insurance Program’s website. Typically deductibles for the policies run from $500 to $1,000. These are standard deductibles, and do not change from company to company.  Read more...

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Posted in St Louis Information

Filing a New Jersey Flood Insurance Claim

Comments: 0July 20th, 2010 by

Flooding in New Jersey is very likely. In fact, between 1994 and 2003 there were approximately 19,000 claims filed in New Jersey alone. If you ever have to experience such flooding in New Jersey, it is important that you know what is involved with filing a NJ flood insurance claim.

The first step in filing a claim is to contact your agent or insurance company immediately. They will then assign a claims adjuster to help you in evaluating the damage to your property as well as your property loss. It is important to realize that flooding can occur at any time in New Jersey and one torrential downfall can cause the Delaware River to swell and the overburdened drainage systems in the state to overflow. If you must file a flood insurance claim, be certain to have the following ready to file the claim:

Name of the insurance company

Policy number

Telephone and/or email address where you can be reached at all times

If your home is damaged to the point that you must go to a shelter or if you cannot be easily reached, provide your agent with the contact information for a trustworthy point-of-contact such as a friend or relative who can find you. If an adjuster is not assigned to you within a few days, contact your insurance agent or company again.

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Flood Insurance: Natomas Residents, Act Now Or Pay Later!

Comments: 0July 19th, 2010 by

Everyone in Natomas will soon be required to buy Flood Insurance.

In the post Katrina era we all have a much better understanding of how devastating a major flood can be to both individuals and a community. When Katrina hit, the levees in place to protect the city failed and what resulted was one of the worst disasters in American history. Unfortunately, most people are not well informed about the dangers of floods and what they can do to protect themselves from financial devastation in the event of a flood. In fact when most people think about floods, they only consider catastrophic disasters like Katrina and they forget that even an inch of water can cause several thousand dollars of damage to both structures and personal property.

In recent years since Hurricane Katrina, the Federal Government has been the focus of substantial pressure and scrutiny about the way the disaster in New Orleans was handled. Some serious questions have arisen about the strength of the levies protecting the city and why the majority of residents did not have flood insurance given that they were living in a basin with a great potential for flooding. As a result of these experiences the US Federal Government has become much more aware of the devastation that flooding can cause and the importance of preparing and educating communities that could be the victims of a flood.  Read more...

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Posted in St Louis Information

Benefits of a Commercial Flood Insurance Policy

Comments: 0July 18th, 2010 by

Flooding is a risk wherever you live. Midwestern rivers such as the Mississippi overrun onto the streets regularly. People living in the East live with flooding due to nor’easters, rapidly melting snow, and the remnants of tropical storms. The flooding in the South is typically caused by tropical storms. The flooding season is intense in the Western states from November to March every year. During this time, millions of dollars worth of damage is caused by flooding. Taking all of this into consideration, our suggestion is to consider buying commercial flood insurance.

The majority of business and home owners have general insurance policies that cover losses caused by theft, fire, ice, and snow. Keep in mind that flood damage is not covered by these policies. A good commercial flood insurance policy can bring you peace of mind. Flooding is likely in many areas across the nation, so you should have good coverage in place to protect your assets.

The National Flood Insurance Program (NFIP) is an agency that was established for the purpose of ensuring that home and business owners can get flood insurance at reasonable rates. Because every commercial flood insurance agent must deal with this organization, you will always obtain a decent price with your commercial flood insurance purchase.

What coverage is involved with commercial flood insurance?

• Building coverage: This covers the cost of repairing your building when it is damaged, as well as fixtures, machines, and anything inside the building. Basically, anything damaged by flooding is covered, something not provided for in other insurance policies.  Read more...

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Posted in St Louis Information

The Basics of New Jersey Flood Insurance

Comments: 0July 18th, 2010 by

In New Jersey and around the US, flooding is one of the natural disasters that is not covered by homeowners insurance policies and yet they can be the most damaging to your home. New Jersey is known for its flooding potential. With every hurricane and tropical storm that the Northeast sees, New Jersey is bound to experience some amount of flooding from it. This is caused by a number of reasons, but most simply it is because the state’s drainage systems are overburdened and the large amount of water simply has nowhere else to go.


In New Jersey, floods and flash floods can occur at any time. Whenever there is a large amount of rainfall, there is typically flooding in some area of the state. There are several reasons for the flooding in New Jersey in addition to an overburdened drainage system. In the winter, ice blocks the drains and the water from the melting snow has nowhere else to go. With new homes being built every day, the lay of the land is constantly changing and so is the natural drainage paths of the land. When a new home is built, the new water drainage path could easily lead to your back door.  Read more...

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Posted in St Louis Information

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