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Travel Medical Insurance - 6 Reasons to Have it When You Travel Overseas

Travel Medical Insurance - 6 Reasons to Have it When You Travel Overseas
Millions of people travel outside of the United States each year and about 20 to 25 percent purchaseTravel Medical Insurance. Why not everyone you might ask, well it's probably because many travelers don't even think about why they should have travel insurance, what the benefits are or what the cost is. Here are five reasons you should have Travel Medical Insurance for your trip or vacation.

Of course, the Medical Benefits of a good travel medical insurance policy is probably the main reason. It will have hospital room and board, intensive care, extensive medical expenses, outpatient medical, local ambulance, prescription drugs, emergency room accident and more. It's very possibly as good as the health insurance you have at home.

Flexibility when purchasing a travel medical insurance policy. You are able to select the deductible you are comfortable with, usually from $0 to $2,500 . The standard deductible is usually $250. You can also choose the policy maximum you want. This will normally vary from $50,000 to $2,000,000.
International emergency care benefits a good travel medical insurance policy should have. When you travel outside of your home country you will also have these benefits; emergency medical evacuation, emergency reunion, return of mortal remains, returning minor children and political evacuation. If anything should occur while in another country which would require the use of any of these benefits having them could save you thousands of dollars.

Additional benefits of a good travel medical insurance policy. Covered injury or illness will be covered for 6 months from date it occurred. Incidental home country coverage, end of trip home country coverage, common carrier accidental death, sports and activities coverage, accidental death and dismemberment, terrorism coverage, identity theft assistance, natural disaster, trip interruption and lost luggage.
Optional Riders available: Adventure sports rider for those extreme sports fans among us, enhanced AD&D rider available to the primary insured and a Citizenship return rider to provide temporary medical coverage for non-U.S. Citizens returning to their country of citizenship or for U.S. citizens provides up to 60 days of coverage for brief returns to the U.S.

What is the cost of a good travel medical insurance policy you might be asking yourself? Don't worry it really isn't expensive at all. Let's say you are traveling with another person and the both of you are in your thirties. You want a travel medical insurance policy with a $0 deductible and $500,000 policy maximum and you are going overseas for 2 weeks. The cost of a good travel medical insurancepolicy should be approximately $55.00. Wow, I bet you thought it would be over a hundred dollars! For $55 why wouldn't you protect yourself and your loved ones?


To sum it all up, purchasing a good Travel Medical Insurance policy is a really good idea. You get medical benefits very possibly as good or better than what you have at home, flexible deductibles and policy maximums, international emergency care benefits, all of the additional benefits, available optional riders and the low cost of purchasing a good travel medical insurance policy. When you consider all of these benefits you get for a low price, it seems to me that it would be foolish to travel overseas without it. You can find out how to get your travel insurance on-line at http://www.globaltravelcoverage.com or contact the agent there using their contact form.
Article source : http://www.articlesbase.com/authors/ken-vandiver/552897

International Student Medical Insurance

International Student Medical Insurance
The family that agrees to house and feed a foreign exchange student, might also want to think about buying international student medical insurance. Of course, such a family would hope to find affordable student health insurance. Yet no family can predict the total cost of possible medical expenses.

Let's look at what happened to one foreign exchange student. Now this story took place more than forty years ago, long before any website provided Internet viewers with a student health insurance quote or a catastrophic health insurance quote. This story is about a young girl from Central America.

This young girl had completed one year as an exchange student. The exchange program called for a gathering-together of all the exchange students in one County area. The gathered students would receive instructions about their return to their native land.

Still, that gathering would last a full weekend. The students needed to be housed somewhere during that weekend. Local families were asked to house one exchange student for one weekend. Those families got no information about international student medical insurance.

The family that provided shelter and food to this one young lady from Central America noticed that she ate sparingly from the food on the table. The family also noticed that the young girl did not have a slim figure. She appeared to have put on some pounds during her stay in the United States.

Now the family talked about how the girl seemed to be very weight conscious. She seemed ready to put herself on some sort of diet. In the absence of proper medial care, such a student might develop a real eating disorder.

The operators of student exchange programs should take the time to study the above story. It illustrates one of the reasons why families need to know aboutinternational student medical insurance. It underlines, too, one of the benefits that families might want to seek from a family care health insurance policy.

Most foreign exchange students in the United States can not get one of the domestic health insurance plans. Still, during a one year stay in the U.S., any exchange student should have international student medical insurance.

A family that plans ahead for having an exchange student might choose to set-up a medical savings account. Such an account can be used to cover unforeseen medical expenses. Such an account could offer financial resources, in the event that the family's exchange student experienced a medical emergency.

Such an approach could offer advantages over one alternative--the decision to purchase a cheap health insurance. Such an approach would allow for greater access to quality medical care. A cheap insurance might restrict care to a limited number of doctors.

A family could not hope to pay the expenses of an exchange student using employer health insurance. A family could not expect to cover those expenses by using health insurance for small business. A family that is caring for a foreign exchange student has good reason to purchase international travel medicalinsurance.

Article source: http://www.articlesbase.com/authors/aarti-narang/68012

How to Choose the Right International Travel Medical Insurance Plan

How to Choose the Right International Travel Medical Insurance Plan
Whether you are going abroad on vacation or business, to study or to relocate, you need to think about your health insurance coverage in the foreign country. Many countries require you provide proof of travel medical insurance when you enter their borders. You might have a standard policy, but this won't do once you leave home. What you need is comprehensive international medical coverage for health-related incidents, car accidents, natural disasters or other possible injuries and incidents, however minor. This article tells you how to choose the right international travel medical insurance plan.
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Points to Consider When Choosing an International Travel MedicalInsurance Plan

• Purpose of travel: There are two types of plans available depending upon the purpose of your trip: International Travel Medical Insurance and International Medical Insurance.

If you are going abroad on holiday or business, you require International Travel Medical Insurance. For vacation travel, look for a plan that covers a single trip. If you are staying abroad for more than a year, you can get a plan that is renewable. If you're going abroad on business and may need to make several trips abroad during a year, choose an annual plan that covers multiple journeys. Plans are also available for people who maintain more than one country of residence.
International Medical Insurance is what you need when you are moving to or relocating to another country. It can provide comprehensive coverage for a wide range of routine and emergency medical services and treatment in the foreign country such as: - 

- Medical benefits including hospital room and stay, out-patient services, intensive care medical expenses, and local ambulance 
- Prescription drugs 
- Emergency room admission due to accident and illness along with in-patient admission 
- Dental injury caused by accidents and unexpected dental pain

• Destination: Corporate travelers and missionaries travel different countries and will have to find adequate international health insurance coverage for those regions. Also, note that as medical care can be expensive in North America, plans that cover both the USA and Canada might cost more than other countries. 



• Additional benefits: Besides these standard benefits, always look for additional benefits. Coverage for medical evacuation and return of mortal remains is important as it could cost from $50,000 to $100,000. Other things which your plan should ideally cover includes sports and other activities, sudden aggravation of a pre-existing condition, food poisoning, accidental death and dismemberment, emergency medical evacuation, redundant, political evacuation, trip interruption, and baggage loss.

• Services for your global requirements: You are in a foreign country where language could be a problem. So make sure your plan offers access to international, multilingual customer service including translation and interpretation support. Moreover, international claims processing services and 24-hour access to efficient emergency services are crucial. Travel alert warnings, lost passport/travel document assistance, and provider referrals are also extremely useful for international travelers. 

Benefit from Professional Guidance 

It's easy to purchase travel medical insurance because it is relatively inexpensive. But navigating plans and choosing the right one is easier when you have professional guidance. An experienced independent health insurance broker that represents leading travel insurance companies can help you find a plan that offers you comprehensive coverage with access to medical services worldwide.

Article source : http://www.articlesbase.com/authors/tracy-mc-manamon/664480

Hotspot Billing - An Outstanding Program To Manage Invoices

Hotspot Billing - An Outstanding Program To Manage Invoices
Quality HotSpot software will assist you to run, manage and bill the access to the Internet. It comes with the excellent features like to setup a structure easily with the live support's help. Any hardware can be used to set it up. The facility of control over bandwidth's allocation and time allotment is also available to you in this program. HotSpot billing software is really an outstanding program, as millions of customers can be managed with it without problems. Its scalability can be measured from its range to work as it can be from one room to one city. Users also need not to install the software by themselves. This software can let you to handle the internet access along with billing issue just by passing-on bills to the users. They can login in simply to pay their bills.

A number of online HotSpot services are available for solving the billingissue and to get advantage from these services, you need no PC. But in such cases, the customers must require to have a well-matched wireless router with the supported running software (CoovaAP or Mikrotik) on it along with a complimentary HotSpot billing manager account. Such billing software is easy to setup as well as simple to configure the program because you just require the few minutes to make a set-up and with the little effort, you may get your billing software running. After the configuration, the wireless router will be ready to be linked with a hotspotbilling server for the purpose of management. In this way, a hotspot can serve the guests whether free of cost or by charging the fee. But discount offer can attract the customers a lot. Following are the some top features of this billing software: 

• Gathering fee easily with this billing system

• To be in command of the access to the WiFi HotSpot

• Saving of outlay is possible with its use

• A simple way to gather the usage figures and information

• Easily manageable

• Number of real-time users- With no trouble configuration of countless unpaid or else paid customers is possible with. They can get access to the Internet with its use too and license option can be used to set the upper limit of users. Sometime, decrease in number is required to save the resources as well as bandwidth. You have to check the demo version of the software in order to know about the simultaneous users limit, etc.

• You may define the validity time such as 24 hours, or-else 1 month too. There is also an option of to set the traffic limits available. It is uncomplicated to set the access limit when defined validity time comes to an end.

You have to customize the software according to your system requirements such as set the pricing of your choices, adjust the logos and images as well as transform the skin wholly by inserting the HTML codes. Such inclusive equipped to use programs can be web based systems for billing that have been written using the languages like MySQL and PHP.
Article source : http://www.articlesbase.com/authors/manahil/1542994

Drinking mineral water is healthy for your health

Daily activities can be very time-consuming that sometimes we replace the body's need for fluid, which is declining due to the activity. Do not let this happen! Because if the continuous lack of fluids, the body will become dehydrated which can cause visual memory loss, irritability and anxiety, decreased concentration, and in some cases a person may experience headaches. Therefore, do not wait for thirst to drink water every day!

Drinking mineral water is healthy for your health
Recognize the Symptoms of Dehydration

Prior to overcome dehydration, let's recognize the first symptoms of dehydration in your body. It's easy! Simply note the color of your urine. If the color of your urine is clear or slightly yellow light, it means your body's fluid intake is sufficient. Conversely, if the color of your urine is dark and smells sharp, it's likely you're dehydrated. But keep in mind that some medications, health conditions and diet can affect the color and smell of urine.

To avoid dehydration, here are some tips that can be done so that you are used to meet the need of bodily fluids every day:
  • Prepare a water bottle in the car, desk and your gym bag to help you take it anywhere and anytime.
  • Drink more water when the weather is hot and you sweat.
  • Drink half a liter of water two hours before exercise.
  • When exercising in the indoor or outdoor, always prepare a water bottle near
  • You and a time to break.
  • Drinking two glasses of water after a workout to replace lost body fluids.
  • If necessary, consult your doctor about your hydration needs.
  • Keep drinking water in sufficient quantities while in the air-conditioned room.
Simple and easy is not it? So, let's make it a habit to drink water regularly now every day and avoid dehydration!