Credit Card Insurance – What Do They All Do?

Most major credit card issuers now offer their members a variety of different free insurance programs. It is highly recommended that you review the insurance terms of your credit card agreement as in certain circumstances the credit card insurance offered by your card issuer may cover situation beyond those you may originally have thought.

The major credit card insurance programs offered include:

Purchase protection

If you purchase a product on your credit card that is later damaged, lost or stolen, you should be able to reclaim all or part of the purchase price cost from the insurance policy. Not only is this a useful protection to have if you purchase expensive or fragile products, but can also be a very good additional insurance to any home contents insurance policy you have.

Fraud protection

Policy covers you should you be the victim of fraudulent use of your card. With the rise of identity theft, and the ever increasing Internet fraud taking place, this policy not only covers the traditional fraud methods but should also cover you for any Internet or telephone fraud.

Stolen card protection

Provided you report your card stolen at the first opportunity you have once you have become aware of your card’s theft, this policy should reimburse you for any transactions processed on your card following your last genuine transaction.

Price protection

Not offered by all card providers, basically this policy will reimburse you the difference between the price you paid for a product and the cheaper price of the same product you later found elsewhere.

Travel insurance

If you purchase your holiday on your credit card there are two useful beneficial insurances you should check to see if you have. The first is a cancellation policy, which covers you in the event that you need to cancel your holiday between the period of purchasing the holiday and the date of travel.

The second is holiday accident insurance, which should cover you in the event that you have an accident including emergency accident evacuation – or are killed on holiday. Both of these are very useful to have as they can be a considerable extra on your holiday travel expenses if purchased independently.

Obviously all of the above credit card insurance schemes are subject to time and monetary limitations, so make sure you check these out. Additionally, you should also make sure that any purchases or use of your credit cards outside of the country of issue are also covered by the policy as, in some cases, they are not.

Coverage Details Of Rental Car Companies Insurance

Whenever an individual rents a car from a rental car company, they will be asked if they would like to add the company’s rental car insurance to the contract for renting the car. Knowing that, it is always good to acknowledge what are our options. This rental car insurance is designed to protect the individual renting the car and the company renting out the car if anything should happen to the vehicle while it is in the renter’s possession. Many individuals are not always sure of whether the price of the rental car insurance is worth the coverage offered and some believe that their current car insurance coverage or the rental car insurance coverage offered by many credit card companies is adequate to protect the individual from liability if anything happens to the rental car while in their possession. For some individuals, the rental car insurance offered by the rental car company is their most suitable option for coverage.

There are several different types of rental car insurance coverage that are included in the rental car insurance offered by the rental car companies. The first type of coverage is the damage waiver, which may include a collision damage waiver, a loss damage waiver, and a physical damage waiver. Each of these waivers waives the right of the insurance company to collect additional money from the individual who has rented the car in the event that the car is damaged while in their possession. The collision damage waiver protects the renter in the event that the rented car is in an accident with another car. The loss damage waiver protects the individual in the case of the car or parts of the car being stolen while the car is in the renter’s possession. The physical damage wavier protects the individual from liability if the rented car is physically damaged from sources other than a collision, such as skidding off of the road, bad weather conditions and hitting a tree or hit by a blown truck tire.

Another useful type of car insurance coverage offered by the rental car company is personal liability coverage. This type of car insurance coverage protects the individual in the event that they cause damage to another individual, vehicle, or piece of property while operating the vehicle rented from the car insurance company. Personal accident insurance coverage offered by the company will provide a one time payment in the event that you or a passenger in your rental car is injured, maimed, or killed in a car accident involving the rental vehicle. The final type of insurance coverage typically offered by the rental car insurance company is personal property insurance. This will pay to replace any personal property that is lost or stolen from the rental vehicle while it is in the renter’s possession. Each of these types of rental car insurance coverage has very specific limitations, so it always the best to read the conditions very carefully when signing and obtaining insurance from the rental car company.

Cover Yourself – The 6 Top Things to Look for in a Health Insurance Plan?

When deciding on health insurance, one needs to be aware of his or her needs first and foremost. Many plans are similar but slight variations in coverage and expense. Most insurance companies offer similar deductibles and cover all the standard routine issues that arise in health. Some plans are more expensive and make the insured responsible for more expense but offer a wider range of control. Some plans are designed for the budget consciences individual and has more restrictions but costs less. So look at what type of health needs you have and think about how often you need to visit a doctor. Make sure your doctor is cooperative in giving referrals when needed as well. Here are some things to think about when deciding what plan is best for you.

1) What plan benefits are offered to the insured? Most plans provide normal medical coverage. But see what other services you may need and if they are available easily or at all. Make sure that you are aware of any additional fees that might be placed on you if you see certain types of doctors or other medical professionals. Does this plan have restrictions on pre-existing conditions or chronic illnesses that can cause a premium increase or higher co-pay in the future. Know what you are getting and make sure that it works for you. If you aren’t sure call the company directly and speak to someone who can answer all your questions.

2) Physical exams and health screenings as a form of entry into a plan. Does this work for you or not, and do you not want to disclose your medical issues prior to getting a quote. Many insurance companies want to have you seen by one of their physicians to make sure you won’t cost them money by having any chronic illnesses. If you have some medical conditions that require frequent visits and treatments you may not want to look at these providers for help with coverage.

3) Care by specialists. If you require the care of specialists, such as a cardiologist, nutritionist for diabetes or obesity, or any other type, you want to make sure this is fully covered on your chosen plan. You don’t want to just sign up for a plan that is in your price range and then find out you can’t see the doctors you need to. Be sure to see all the information on added coverage above and beyond just basic needs.

4) Hospitalization and emergency care. Most HMOs require a referral from your primary care doctor before you may go to the hospital. Some insurance companies will not pay for hospital visits on the weekends unless the doctor was called and gave the referral prior to you going. Some will even require that you wait till the next available business day to see your doctor first if it isn’t a life or death emergency. If you have conditions that might require a trip to the hospital, be sure that your policy works for you. In the middle of a panic attack is not a good time to wait for the “on-call” to call you back, give permission, and call the hospital for you. You need to know that are safe to call and get emergency care and get the referral the next business day.

5) Prescription drugs and what will the company pay for? You might want to take into account how many prescriptions you need and what the cost of each one is. If you are used to small co-pay, it can be a slap in the face to find out you have to pay 20% of a $150 prescription. Many people who require some or lots of daily medications will benefit more from a HMO that has a small fee like $5 or $10 per prescription and/or a small deductible.

6) Vision care and dental services. Find out if these are included in your plan or whether you need to purchase one or both separately. Many plans will include yearly and emergency eye exams and visits. Also many offer some coverage on eyewear to some extent. Most dental plans are separate and require a separate insurance or slightly higher monthly fee to be added.

Cover Your Loan Repayments With Payment Protection Insurance

Payment protection insurance could give you a tax free sum of money each month with which to pay your loan repayments and keep you out of getting into serious debt problems. Payment protection insurance is a generic term for mortgage payment protection, income protection and loan payment protection insurance and all do the same thing which is to be your lifeline if you should come out of work due to accident, long term sickness or unemployment.

Payment protection insurance would begin to give you a monthly income with which to pay your essential outgoings once you have been out of work for 30 days or more and it would continue to give you an income for up to 12 months and with some providers for 24 months. If you take out mortgage payment protection then your home won’t be at risk as you would have the money each month to ensure you could keep up with the repayments.

If you want to safeguard your monthly loan repayments then loan payment protection could be suitable when it comes to making sure you can carry on meeting your loan repayments. And income protection gives you a replacement income up to a set amount each month.

The payment protection insurance cover can be taken out to guard against coming out of work due to accident and sickness only, unemployment only or for accident, sickness and unemployment together. The quotes for payment protection insurance vary widely and it is essential that you get several quotes for the cheapest premiums. Shopping around for your payment protection insurance cover will enable you to secure you the cheapest premiums while getting you a quality product providing of course that you have ensured a policy would be suitable for your needs.

Always take into account there are exclusions and the most common of these include only working part time, being retired, being in self-employed or suffering from a pre-existing medical condition at the time of taking out your policy. There are of course many more and it is essential that you read the small print before purchasing your payment protection insurance.

Cover Your Car With The Cheapest Motor Insurance Around

If you want to drive legally in the UK then you have to have insurance if you wish to drive on the road. And while this can be expensive depending on your circumstances it is a legal requirement. Therefore, if you are financially savvy, you have to do all you can to ensure that you have covered your car with the cheapest motor insurance around.

The cheapest motor insurance can be found by going online with a specialist car broker website, which in a very short time can get you quotes for the cover which is much cheaper than you would probably be able to find for yourself. However before you can get your quotes you first have to decide which type of insurance you want – there are three main types when it comes to insuring your car: third party only; third party fire and theft; and fully comprehensive.

Fully comprehensive is the dearest of all the cover but is essential if you have a new car or if your car is over a certain value, typically 4,000-5,000. Fully comprehensive gives you cover against such as fire and theft of your car and also for others to claim against you if you should be in an accident. It also covers you for loss of personal belongings and medical expenses if you should get hurt in an accident but policies do differ and you should always check the wording in the small print to determine what the actual policy covers.

Third party fire and theft will insure your car against being stolen and suffering damage due to fire, it will also protect you against others that claim against you if you should get into an accident. Third party only will allow others to claim against your insurance if you should get into an accident and is the cheapest form of insurance available. However, any damage caused by you to your car will not be covered, so if you will have to fund any repairs to your vehicle yourself.

Flip the Movie Script

flip the movie script
Flip the Movie Script is a website that is a free online tool bringing interesting facts and information about behind the scenes movies, tv shows, music and much more. A lot of people only tread on the surface of what they watch, but never really understand how much work goes into a production. Most other websites focus on other aspects of the cinematic experience. Flip the Movie Script mainly focuses on information that helped bring the production forward and how a role was almost not filled. The website provides video content allowing visitors to watch trailers. The best part about the webpage is that the stories make for a great conversation piece. Check your movie knowledge!

Cover the Uninsured Week Provides Opportunities for All Americans to Get Involved in Solving National Problem

Nearly 46 million Americans-including more than 8 million children-have no health insurance and gamble each day that they won’t get sick or injured, and the problem is getting worse. As health care costs continue to rise, every family’s health care coverage could be at risk. Chances are someone in most families either is or has been uninsured.

That’s why millions of Americans with diverse viewpoints are putting politics aside and taking action. Organizers of Cover the Uninsured Week-the largest campaign in history to focus attention on the need to secure health coverage for all Americans-are asking Americans from all walks of life to talk with their friends and neighbors and demand that our leaders make health coverage for all Americans their top priority. The campaign is also looking to ensure that people who are uninsured get enrolled if they are eligible for coverage programs.

“Too many Americans are living without access to health care-worrying every day that they will become injured or sick and bankrupt their family,” says Risa Lavizzo-Mourey, M.D., M.B.A., president and CEO of the Robert Wood Johnson Foundation, a convener of Cover the Uninsured Week. “Living without health coverage is a gamble that no one should have to take. Americans need to come together to stress the need for action. But until our lawmakers find solutions, we need to ensure that no one misses an opportunity to obtain low-cost or free coverage because they didn’t know about it.”

Hundreds of Cover the Uninsured Week enrollment events will be held at hospitals, medical centers, malls, community centers, on campuses and in places of worship nationwide. Volunteers will help enroll uninsured adults and children in public programs that provide low-cost or free coverage to those who are eligible. In addition, information about local help available will be distributed.

“People who have health insurance cannot afford to take it for granted. As costs increase, fewer individuals, families and businesses can afford to pay for health care coverage,” said Lavizzo-Mourey. “Community and state leaders are doing what they can to help those living without access to health care, but this is a national problem that demands national solutions. With no solutions on the immediate horizon, all Americans -regardless of their insurance status-need to get involved and make their opinion count.”

Cover the Uninsured Week is supported by nearly 200 national organizations-including the U.S. Chamber of Commerce, AFL-CIO, American Medical Association, AARP, Blue Cross and Blue Shield Association, and the United Way of America-and more than 2,500 local organizations located in all 50 states and the District of Columbia.

Activities will take place May 1-7 in communities across the country.

Could You Benefit From The Safety Net UK Mortgage Payment Protection Insurance Provides?

If you should lose your income then you could be left with a big struggle on your hands when it comes to meeting your monthly mortgage repayments if you should find yourself out of work due to having an accident, sickness or be made unemployed. If the product is suitable then UK mortgage payment protection insurance could give you the income needed so you would not be left struggling or worrying.

Mortgage payment protection insurance (MPPI) could mean the difference between you losing the roof over your head and unfortunately many homeowners think that the State would be able to step in and help. While you are able to get help from the State, the financial assistance that you may be entitled to is often very little and cannot be relied upon. Providing a policy would be suitable for your needs then it can make a huge difference and be a valuable safety net on which to fall.

UK mortgage payment protection insurance is offered when you take out the mortgage and while you might think this is the easiest way to take the cover it is not the cheapest by any means. In fact the Competition Commission has recently announced that they are doing everything in their power to take a look at the high street lenders books. It is thought that the high street lenders are making up to 80% profits on selling mortgage and loan payment protection. If you want to make huge savings on mortgage cover then you have to take out the cover with an independent specialist provider.

Independent specialist providers offer cheaper premiums along with making sure that they give you the key facts needed so you are able to determine the policies suitability. Common exclusions in all policies include being of retirement age, if you only work part time, are self-employed or suffer from an ongoing illness at the time of taking out the cover. Exclusions can be added by the provider so you will have to read the small print defined in the terms and conditions before buying.

A quality UK mortgage payment protection insurance policy could begin to give you a tax free income once you had been out of work for between 31 and 90 days and continue for 12 to 24 months depending on providers. Again you have to read the terms and conditions to determine when cover would begin and end and when comparing premiums you should also compare key facts as they can differ. One of the biggest benefits besides saving you money is the experience that a standalone provider can give; a lack of experience is what led to the majority of mis-selling and problems for the payment protection sector.

Although there are many problems including a lack of information and high street lenders charging huge premiums this could soon change with the comparison tables being introduced in March 2008. The tables should help consumers to decide if UK mortgage payment protection insurance is suitable and will highlight the exclusions and tell the consumer how much the cover would cost.

Cosmetic Surgery – Are You Covered By Health Insurance?

Cosmetic surgery, in its true sense, is an elective procedure that is performed to reshape or enhance body parts a patient may find unflattering. Since cosmetic surgery has an intrinsic aesthetic intent, it is usually not covered by health insurance. The argument put forth by insurance firms is that a person can very well do without cosmetic surgery, and the procedure is used for mere beautification instead of being a life saving surgery. On the other hand, reconstructive surgery is generally covered by health insurance, though the extent of coverage may vary a lot from one case to another.

In many ways, the answer to the insurance question lies in discerning whether the plastic surgery procedure is cosmetic or reconstructive. For instance, abdominoplasty (or tummy tuck), when performed on an obese patient to guard the patient against heart problems, is eligible for health insurance. Breast reduction surgery, when carried out with the intent of reducing weight of the breasts to curtail orthopedic pain, is typically covered by health insurance. On the other hand, breast implants or augmentations are performed with the aesthetic aspect in mind and, therefore, don’t normally qualify for an insurance.

There is a fine line dividing the two categories of plastic surgery, namely cosmetic and reconstructive surgery, as far as eligibility for insurance is concerned. For instance, eyelid surgery, when performed to attain an aesthetic enhancement is considered cosmetic and ineligible for insurance. The same procedure may be covered by insurance if the eyelids are drooping to the extent of obscuring a patient’s vision. The hard fact remains that most of the plastic surgery procedures are performed with an aesthetical intent, in order to enhance alluring portions of the body.

To summarise, plastic surgery that is performed to improve function instead of aesthetics is normally eligible for an insurance cover. However, it’s best to discuss your case with an insurance agent, in order to determine if you are eligible for an insurance cover.

Convert Term Policy Before It Expires

Keeping an inexpensive term life insurance policy for too long can cost unprepared families lots of money in the long run.

While term insurance is a great way to protect your family from financial disaster, sitting on the same policy until it is too late to replace it with a permanent options can be a financial disaster.

Term life is temporary insurance. It pays a fixed death benefit if the policy holder passes away during a set period of time. For example, if you have a 20-year term policy and you die before the 20 years end, your beneficiaries will receive the face value of your policy.

Once the 20 years is up, the contract expires. The company keeps your premiums and you have to find new insurance, usually at a higher premium. Term insurance helps you to prepare for the unexpected.

Term insurance is the cheapest form of life insurance because it is temporary and not intended to pay out. Young families benefit from term insurance. In many cases, it is taken out to help support young children and a spouse in case the primary breadwinner passes away. That takes a large policy to accomplish.

Many young adults do not have substantial savings and investments yet. They have a lot of their money tied up in new mortgages and student loans. Term policies offer a cost-efficient solution.

But as families mature, the breadwinners grow older and the policies get closer to expiration. Situations change and families need to consider changing their term insurance into a more permanent option.

Many term insurance contracts have a clause that allows the policy holder to do just that.

You could think of it as leasing insurance with an option to buy. You can use the convertibility clause to convert without having to obtain a new insurance policy. For a price, families can transform their temporary insurance into permanent insurance without having to re-apply for coverage or have medical examinations.

Not all policies have conversion clauses. If you are buying term insurance, look for policies that include the clause. They are often more expensive, but well worth it.

For example, you have a 20-year term policy with a 10-year conversion clause. After nine years, you develop a major health problem. You are still within the 10-year conversion period, so you can convert the policy to a permanent policy. By doing so, you will not need a new physical exam and you will receive your coverage at a much lower rate than if your health problems were taken into account.

If the policy didn’t have the conversion clause, you would be facing an expiring policy and very expensive renewal premiums if you could renew at all. You should always convert before it is too late.

You should review your policy with your agent on a regular basis. This will help to prevent that your conversion expiration doesn’t sneak up on you. When you are within a year of convertibility, you should take the time to look at your plan. Consider your health, finances, responsibilities and goals.

Don’t just look at your health in considering whether or not to convert a policy. The older you are, the more expensive you are to insure. By locking in a fixed rate and paying toward a permanent policy in your 20s, your monthly premiums will be much cheaper than if you had waited until your 50s.

Your financial needs transform over time. Your family matures and changes. When you are young, you often need a policy to replace your income and provide for your children. When you are older and your children are grown and your mortgage is paid off, you may find that you don’t need such a large policy.

The roughest rule of thumb is to take a multiple of your income. If you only need enough insurance to take care of your family for a few years after you die and set them up until they can get on their feet, buy 4-6 times your annual salary. If you want to take care of them for the rest of their lives, you can look at something quite larger, like 20 times your salary. That gives enough to establish a trust that they can life off of indefinitely.

One strategy involves buying the largest term policy you can afford when you are young. When you can afford more, supplement your term policy with a small permanent policy.

When your term insurance is set to expire, your children will be grown and your mortgage paid off. Then you can look at what coverage you will need.