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Top Health Insurance Companies in 2018

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top health insurance companies in 2018

In the last few years that have gone by, the term health insurance has touched the sky with many discoveries. Yes, many types of research and studies have revealed that due to the changes in the lifestyle of the human being has made them prone to diseases. If it’s not managed well, then you have to bear the consequences such as health-related issues leading to high-cost treatment enough to create a hole in your pocket.

On the other hand, the rising cost of the medical services is enough to further a cough up more money from you. However, you need not worry as there is a financial product in the form of an effective health insurance plan.

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However, when it comes to picking the best insurance plans for the family, you need to consider many aspects such as cover, assured sum, premiums and more. This post will talk about the best health insurance company in India. Here are the five best health insurance policies in India

1) Bajaj Allianz Health Guard

Bajaj Allianz is one of the reputed Indian health insurance companies that provides a comprehensive health insurance plan and the Health Guard is one of the best. The Bajaj Health Insurance policy has the provision to offer extensive coverage to help you get quality treatment in the nick of time. These plans have many facilities such as:

  • Covers pre and post hospitalization costs such as medicines, consultations, investigations and more as per the illness type of the policyholder
  • Lifelong renewability of the plan is available
  • The scheme also has the provision to offer you cashless facility at more than 4000 and counting best hospitals across the length and breadth of the country

2) Max Bupa Health Companion Health Insurance Plan

Max Bupa is another name in the health insurance industry to rise in recent times. The Max Bupa Health Insurance Plan offers quality treatment at best network hospitals in India with many features:

  • It covers all types of hospitalization expenses inside out
  • Pre and post hospitalization costs are included
  • You can also avail the in-patient treatment under the Aayush up to the insured sum of the base
  • Daily cash allowance is also a provision in the plan

3) ICICI Lombard Complete Health Insurance – iHealth

The ICICI Lombard Complete Health Insurance known as one of the best health insurance plans in India among other listed in this post. It is because of the reasons that it covers many facets of the healthcare of the policyholder such as:

  • Cashless hospitalization of all types
  • Comes with the free health check-up
  • You can also avail some tax benefit
  • Free look period of up to 15 days
  • Emergency ambulance coverage
  • Lifelong renewability option

In addition to the treatment expenses and hospitalization costs, the ICICI Lombard Complete Health Insurance also covers costs incurred or arising out of day-care process. The availability of the cashless facility at all cashless network hospitals under this scheme is possible and it makes it super convenient for policyholders.

The Bottom Line

The list of the leading health insurance service providers is now available to you for your reference in case if you are willing to apply for one.No matter which plans you choose, what matters is selecting the best health insurance plans for the family to help secure their healthcare cost. If you are still confused, you can avail the services of a known financial expert who can assist you to avail the best one as per your needs.

Apollo Munich Health Insurance Company Limited

Apollo Munich Health Insurance Company Limited was the pioneer health insurance company to enter market after liberalization and at present it is one of the best in health insurance sector. There are the following advantages of choosing Apollo Munich Health Insurance:

  • Cashless Services to policyholders.
  • Portability of health insurance plans from other health insurance company to Apollo Munich.
  • Lifelong insurance renewal.
  • The insurance claims are settled at a very fast pace. On an average Apollo Munich settles 98% of insurance claims in 15 days.
  • Restore Benefit is also provided to the policy holder.
  • Premium paid is exempted from tax.
  • Additional cover for critical illness
  • Emergency ambulance cover

Apollo Munich provides a range of health plans to choose from and has a wide range of premiums as well so that you can choose as per your affordability.

 Star Health & Allied Insurance Company Limited

Star Health & Allied Insurance Company Limited provides clients a lot of facilities. It has health insurance plans not just for individuals but for both family and individual. Following are some of its benefits:

  • Both in-patient and out-patient treatment cover.
  • Health insurance through EMI option.
  • Upon renewal of the health insurance policy, unutilized outpatient benefit can be forwarded to next year.
  • The claim processing is extremely fast with 93% claims settlement in just 2 hours.

Also, there are some companies like Student Cover that offer student medical health insurance. Such policies are for students who go to abroad for studying. There are many universities in which such plans are mandatory.

Siddharth Kashyap loves crafting content and sharing information about technology and business. Since the world mainly revolves around, business growth, and technological advancements, you can always find her delved into the digital world.

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The Methodology Judges Use For Setting Bail

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Fast Bail Service

Judges use a bail schedule to set the bail amount that they can change by considering the circumstances of the case. Following a suspect’s first court appearance after an arrest, judges usually set a bail amount either during bail hearing or an arraignment. However, it is not that bail is mandatory for releasing an arrested person. Judges not only have the power to change the bail amount but also waive it all together by granting release on the ‘own recognition’ of defendants depending on the circumstances of the case. But once a bail amount gets fixed, the defendant must post bail to seek release from jail. Here, they can take help from bail bond agents who work for bail bond companies and get in touch with them via bail hotline. They can even post bail by paying in cash personally. Relatives and family of defendants can post cash bail in court or purchase a bond.

 What influences bail amounts

The seriousness of the crime and how dangerous it is influences bail amount. Also, judges consider other factors like employment history of the defendant, past criminal record, and whether the defendant has close ties with the community and family.

To decide on the bail amount, courts are using algorithms or complex mathematical formulae.   By entering selected information about the defendant into the software program, the system shows a score that becomes the recommendation. By considering the age of the defendant, criminal history, and some other information, the program does a complete risk assessment. It determines the chances of the defendant failing to appear at court or committing another crime.  

Bail denial

There are some circumstances when judges may deny bail. Sometimes, another jurisdiction places a warrant on a defendant. In such a case, the judge would like to keep the defendant in custody as long as possible so that the other jurisdiction gets enough opportunity to pursue the charges. And if judges feel that there are high chances of the defendant fleeing, then it would be hard to convince the judge to allow bail.   The track record of the defendant in criminal matters and the seriousness of the case are the most critical factors in getting bail.

Jailhouse bill schedule

Posting bail is easy in many jurisdictions that maintain posted bail schedules that allow defendants to post bail with the police before appearing at the court for arraignment or bail hearing.  For common crimes, bail schedules have specified amounts mentioned. Soon after the arrest and booking the defendant can seek release by paying the cost of bail mentioned in the bail schedule. Bail schedule can vary depending on the type of crime, locality, and residency.  

Bail amounts for misdemeanors are quite low, whereas that for offenses categorized as felonies can be 5 to 10 times higher. The amount of bail increases with the seriousness of the crime, and there is no flexibility in the jailhouse bail schedule. Only a judge has the power to reduce the bail amount if there is some ground for it. 

Besides bail schedules, there are duty judges in some jurisdictions. Duty judges can convey the bail over the phone without holding court. 

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5 Steps To Become A Coach With Training Through The Best Coaching Certification Program

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Coaching Certification Program

Coach training and certification programs are extremely popular all across the corporate arena. This is actually since there are various benefits of having a certified coach in the staff/team. The importance of a certified executive coach is reflected in the requirement of maximizing the workforce potential. 

Executive coach: A general introduction

Let us answer a few critical questions first. If you are looking for answers to what a firm looks for in its workforce, it is pretty basic. Productivity, profitability, and innovation are the three critical components of an efficient workforce. To achieve these pre-requisites, executive coaches are required who train the workforce. As an executive coach, you can earn the top-dollar while developing the skill set of the team.

Search for the best coaching certification program and go through the following steps to become a top trainer. 

  • Assess yourself

Assessing yourself is the most vital step. Most of us tend to neglect this critical step while trying to make it in the professional world. If you are looking to be a professional executive coach, you need to take the decision all by yourself. But there are a few things to keep in mind. You need drive and an ability to motivate to make this career path work for you. If you can relate to the weakness and strengths of individuals and possess a helping mentality, coaching is the perfect career choice for you. 

  • An accredited training program is a must

If you are looking to be a professional coach and the perfect trainer, then you need accreditation and certification. Therefore, it is incredibly vital to choose your coach training program carefully. Since you will invest both time and money, it is imperative that you do a bit of background research work about a training program you are interested in. 

Compare the curriculum and the training protocols that are implemented to make a perfect choice. Additionally, you need to look for certified programs that are accredited by the ICF or the International Coaching Federation. There are three basic coach training programs that you can go for that includes the Accredited Coaching Training, Approved Coach Specific Training and Continuing Coach Training. 

  • Getting the certification

You can obtain your certificate and achieve all the success only after you complete the course. There are several evaluation and tests to judge your understanding of a problem and the ability to provide a solution. If you are certified, then you can not only enhance your reputation as a true scholar but will also gain access to several essential tools, strategies, and techniques required to be the most popular service in your neighborhood. 

  • Look for high-quality mentors

It is not just about the training program. You need to look to the mentors to get the tricks and tips of the trade. Mentoring for aspiring coaches is available with most of the coach training services at additional cost. 

  • Choose your field

The curriculum that is available for the coach training programs is based on various scenarios. Coaches are required as part of the business development and for skills development within the organization. You need to choose the niche you want to work in professionally while making the selection of the curriculum.

Find the right coach training program today and step into the world of executive coaching.

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How to Write a Green Card Recommendation Letter in Half Day?

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Write a Green Card Recommendation Letter in Half Day

Individuals involved in the immigration process may need to support their applications. A trick lies in getting individuals to draft superb supporting documents.  Judges discern the most suitable immigration candidates after vetting the documents.

A green card recommendation letter is a vital document in the immigration process. Preparing quality-supporting documents could be time-consuming. However, it is feasible to draft a green card recommendation letter in half a day.

Writing a green card recommendation letter in half a day

1. Prepare to write the letter

Drafting a green card reference letter calls for optimum preparation. The first step calls for an understanding of the immigration proceeding. The writer should understand the purpose of writing the letter.

An understanding of the purpose of the letter could enable one to write it in half a day.  The message could serve to either prove a relationship or confirm employment. The reference letters for immigration could give a candidate an upper hand in the selection process to be their greatest undoing.

2. Talk to the requestor

The speed with which an individual clears writing a green card reference letter relies on the flow of information between the requestor and the writer. Talk with the requestor and seek to have a list of points you may require. Additionally, you may request for background information or a resume.

3. Collect Samples

The writing process could be simple if a writer has access to samples. A prudent writer would collect samples from family, friends, or online databases. The examples and templates would offer insight into what is required of an immigration reference letter.

4. Writing the Letter

The crucial bit entails penning down the content. Optimum attention should be offered to the writing process. One should consider setting aside time out of their busy schedule.

Content that marks superb green card recommendation letter

  • A great recommendation letter could include date and salutation. The date should appear on the top of the document. The greeting should follow suit a couple of lines below the date.  In case one is an employer, they should use organizational letterhead.
  • The first paragraph covers an introduction. Make clear the profession or the relationship with the requestor.  A name should not miss in the first paragraph. The use of a simple language marks a great introduction.
  • A description of the character traits of the applicant takes center stage.  A few examples of when the character manifested positive character traits may be necessary.  If necessary, highlight their work ethic and relationship with other employees. One may highlight incidences where they portrayed strong work ethics.

A superb recommendation letter should only conclude with a heartfelt recommendation. It should serve the requests of the requestor. The essence of penning down the message is to ensure the requestor is relieved of worries.

Final thoughts on green card recommendation letters

The quality of writing depends on the willingness of the referee to offer a positive recommendation. One should not commit to writing the piece if they are hesitant to provide relief to the requestor. The referee should make adequate time for the writing process.

Gathering a few samples would simplify the writing process and ensure one completes the letter in less than half a day.

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Diamonds have a unique charm and glow! There can be several alternatives to diamond, but none can substitute its beauty. If you want to customize a diamond ring, you can choose from the multiple shapes and cut. One of the types that have been gaining ample importance is cushion-cut diamonds. The popularity of cushion cut diamonds The cushion cut diamond reflects an antique look and bursts out with a dazzling sparkle and fire. Concerning the structure, this diamond has a square design. It comes with curved sides and has smooth round edges. It also gives the diamond stone a unique soft pillow shape. And that's why it got the name of cushion cut diamond. Many people have loved this diamond for over a century now! Usually, it comes with 57 facets. Still, there can be several cutting styles for this diamond cut. The popular ones include the: Modified cushion cut Cushion brilliant cut Antique cushion cut The difference between each cut varies between the facets and the size. The facet size determines the diamond sparkle. The bigger the facet, the wider the sparkle is going to be. When the facet is small, you will get to see sparkle flashes in mini bursts. It provides you with the scope to determine the way your diamond will shine. Selecting a cushion cut diamond When you are choosing a cushion-cut diamond, you need to keep in mind a few factors. The important ones are listed below: The cushion cut diamond comes with huge facets. That makes it simpler to notice the inclusions as well as the color traces. Hence, it is always better to opt-in for a diamond stone that comes with increased clarity and color grades. You need to decide on the budget and make your selection. The cushion-cut diamond also has scintillation! It also showcases the fire and brilliance. The cut came into existence during the 19th century, after which it got modified many times. Amidst all the changes, it still retained the pillow shape. The cushion cut is also the ideal choice for people who have a romantic heart and has an affinity for antique design and look. The cushion-cut diamonds have gained popularity for their vintage and ethnic charm. Though most vintage-patterned wedding and engagement rings are called old-school, still, it has a value of its own. These diamonds are all about exquisite design and nostalgia. The cushion-cut diamond also reflects an element of perfection, which works well when you want to propose your lady love. Make sure you check the color of the cushion cut diamond ring! It's always better to opt-in for a wedding ring that has a transparent color than any other shade. The translucent color ensures more authenticity and clarity. Also, check the grading and the documents that come along with. These are some of the guidelines for choosing a cushion cut diamond! The cushion-cut diamond is the best choice for proposing your beloved. You can also gift this to your beloved as a gift even when there is no occasion.
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