Factors Influencing The Insurance Amount

Everybody in their lifetime will require medical assistance. Commercial insurance provides medical insurance to help equip the employees in the case of sudden mishaps. Without good health, an employee cannot contribute a 100% to his company. When health is hampered, mental stability is disturbed which causes a hindrance to the employee’s productivity. Medical insurance is a great way to provide financially if you are ever unable to support your loved ones due to unexpected medical problems. Residential workers insurance as well as foreign workers medical insurance is provided. A small saving every month matures into a big investment over a period of time. Insurers are companies that provide insurance to individuals or corporate. In either case, certain aspects are taken into consideration before giving the individual an insurance policy. The factors influencing the insurance amount are as follows:

1)Age this is the most important factor that influences the insurance plan. The older you are the higher will be the monthly amount deducted from your payroll. As you are closer to getting naturally affected health wise, companies do not take their chances by providing premiums by charging less.

2)Gender as women and men work with similar payrolls, yet there are certain disparities when it comes to insurance plans. In some cases, as women live longer than men according to certain studies, the premium amount for women is lesser compared to what the men pay. On the other hand, women are more prone to visiting the doctor regularly for check-ups. They are also more likely to contract certain chronic diseases than men. Women also take prescriptions and need medical assistance for pre, during and post pregnancy. These factors cause women to pay a higher premium as compared to men. This differs from country to country.

3)Lifestyle high risk activities like mountain climbing, deep sea diving and race car driving are certain passions people share. In their leisure time, they like to engage in such activities as they have proved to be a change from routine, a more productive way to vent out frustration and good exercise. But such activities are life threatening and such individuals must pay a higher premium. A high risk profession like transportation, mining and fishing are also considered as high risk lifestyle.

4)Habits smoking, use of tobacco and drinking are some unhealthy habits that are taken into account. As major organs are directly affected by such habits, it is common for such employees to pay almost twice the amount the other employees would pay as premium.

5)BMI a person with higher body mass index is known to suffer from health issues like diabetes, high cholesterol, and high blood pressure. The individual has to pay higher in such cases. Similar is the situation when family medical history is taken into consideration. Diseases and illnesses running in the family that is likely to affect the employee are taken into account.

These are the most influential aspects that affect the amount payable as medical insurance.

The Lowdown on Commercial Vehicle Insurance Claims

It is not an easy job running a business when the expenditure spirals out of control and profit margins do not show any sign of improvement. Let us look objectively at the industry that has been reeling under because of a variety of factors, some because of reckless driving, bad vehicles, improper roads to name a few. Here is the detailed lowdown on the commercial auto insurance industry and the procedure of staking your claim with a claim.

Commercial vehicular insurance has been heightened with claims that are primarily related to bodily damage. From an owner’s perspective, it is wise to make sure that every driver has a personal insurance coverage. If he meets with an accident while on the job, both he and the vehicle come under the purview of the insurance claim.

A business that has not accrued any claims for many years is entitled to a variety of benefits by the insurance service provider. From the perspective of the business, it is wise, while renewing the premium for the following year, to cash in on this immediately. As the renewal goes on, one can up the ante and get a better comprehensive coverage.

Claims come under two categories – one concentrates on personal injury to the driver, passengers or travelers on the road. The other – is for damage to the owner’s vehicle. Both can be clubbed together in a wide reaching policy.

It is a requirement by law and by the insurance service provider to report the incident immediately, both to the police and to the insurance agency. If the driver of the vehicle has been hit by another vehicle, he must get the insurance details of the vehicle and inform the insurance provider for that vehicle. The driver is further able to claim damages, if any, to his person and on the vehicle.

Every insurance company has a surveyor who accesses the extent of damage. The driver or the owner of the vehicle must never move the vehicle unless he has the permission of the policy and the insurance agency.

When making a claim for the commercial vehicle insurance in Singapore, all the documents must be submitted to the insurance agency. Documentation is essential to ensure that you get your just dues. Many firms provide a cashless commercial auto insurance coverage, which is a wise consideration. Before going ahead and buying insurance, read up on the website http://allegiance.com.sg/ that throws open plenty of details pertaining to the medium.

Registering voters at Fiesta


The other night I did an 8pm-12am voter registration shift at the Fiesta Mart on 38-1/2 and I-35. Considering that it was a rainy day in a non-presidential-election year, the turnout was good. While the noon-time and 4pm-8pm shifts seemed to be the busy ones, we got a good stream ourselves and beat our registration target. We registered our last voter at 11:52pm.

The other volunteer for the shift was Terry from DFT. I’m sorry I left the last meetup before the “Iraq for Sale” movie (it was my night to cook). Apparently the turnout was great and the movie got a lot of folks stirred up. Glen Maxey was there to move the anger into action at the end. After the continuous stream of bad news (Iraq, Katrina non-response, condoning torture, removing habeas corpus, NoKo nukes) I’ve been feeling burned out instead of motivated politically. I could have used the shot in the arm from the movie.

But I’m really glad I did the voter registration. The “midnight deadline” signs worked to pull folks in. It was great when people in a rush stopped what they were doing to register when they realized that last night was the deadline (or at least caught us on the way out). A few folks came up with voter registration forms already filled out, but which they hadn’t mailed yet, and we were able to give them registration receipts. But the highlight for me was when folks actually identified themselves as available to work as election workers, just to see what being a poll worker would be like. One lady would have to reschedule her current two jobs just to do it. While democracy may be hurting, it’s not dead yet.

Positive Thinking

Despite my enthusiasm for political blogging, I’m still having trouble working out a system for doing it consistently. For today, let me just offer up this quote from Van Jones, an activist doing work to connect issues of environmentalism, community development, and incarceration:

One thing I’ve been saying a lot lately is that Dr. King didn’t get famous with a speech called “I Have a Complaint.” At some point, we have to say what we’re for.

Montana’s Democratic governor (yes, you read that right)

As part of their new Life of the Party series, Salon did a great interview with the recently elected Democratic governor of Montana.

Yep, he won in 2004 – as a Democrat running for governor in a state where Bush beat Kerry by a whiz-bang of a landslide, 20 points. How the hell did he do that?! With some common sense, a great attitude, and a shrewd understanding of what my dad calls “the folks out there.”

I think this guy gets a lot of things exactly right. For example, it doesn’t make sense for New York City to have the same gun laws as rural parts of the west. In NYC, having a gun is practically suicidal; in rural Montana (or west Texas, for that matter), you take a gun with you when you’re going to walk the fenceline in case you run into a snake. And you don’t get anywhere with people for whom that’s a way of life by telling them they’re a short step away from being gang members.

I also love that he’s humble – he gets asked how to repeat his success in a national campaign, and he openly says he wouldn’t have a clue. He may be the only person in professional politics who doesn’t want to look like he knows more than he does – he ain’t angling for a talking head spot on CNN. I find this charming.

There are other things I like, but the best thing, I think, is his regular guy-ness and his attitude about it. He’s exactly right that the best things a politician can do are to stand for something, have a plan; and to act like you care. Part of what baffles Ds about Bush’s appeal is that even when people disagree with him, they’re often still willing to vote for him. This makes us stomp and sputter and scream. But what we’ve got to understand is something I learned as a government major. Some of the best research in poli sci and political communication tells us that nowadays, people don’t necessarily vote on the issues; instead, they vote their *identity.* There’s a whole complicated explanation for that, but Governor Schweitzer described it just perfectly in this paragraph: “They look up there and say, ‘That guy’s a straight shooter. If I wasn’t so busy bowling and working and fishing, and if I had time to spend on these issues, I bet I’d come to the same conclusions that that guy would. But it’s a good thing that he’s doing all that studying and stuff, because I’m busy fishing and bowling.’ ”

Love it! I think that’s exactly what we need – both that dynamic between candidate and voter, and candidates with the ability to explain a complicated phenomenon in voting behavior in two simple sentences, using words a third-grader could understand. I look forward to seeing what else this guy can do.

And with this interview as the first installment, looks like the Life of the Party series could be one to watch.

Look at Red mortality rates too

From the January 2005 Harper’s Index:

  • Average number of suicides per 100,000 residents in states carried by President Bush in November: 13.5
  • Average number in states carried by John Kerry: 9.9


  • Hours after Kerry conceded that a New Yorker posted a personal ad seeking a Bush supporter for a “fair, physical fight”: 5
  • Number of people that volunteered within twenty-four hours: 3
  • Number who asked to watch: 9

No replies expected, I just thought others might get a kick out of this too. But as the first poster, I’d like to express a welcome for equal-opportunity venting.