The
Health Insurance Resource Centre is designed to help consumers make informed decisions
when purchasing health insurance for themselves and their families.
The
centre provides basic information on various types of health insurance plans
available, and up to date information to evaluate and compare various health
insurance options and companies. We’ve also included links to other websites
that provide relevant information to help consumers make informed and reasoned
decisions.
The
New York Consumer Guide to Health Insurers contains a ranking of HMOs and
health insurers based on complaint statistics and enrollee satisfaction surveys
and includes information on the number of successful appeals to independent
external review agents. These appeals result from decisions to deny benefits
based on medical necessity grounds or classification of procedures as
experimental or investigational.
We
hope that the information provided will assist you in your efforts to learn
about the health insurance.
Part 2
Life
insurance cover provides a lump sum to your family in the event of death or
terminal illness of the life insured. Life insurance is available to people
aged between 17 and 69 and can usually be renewed until the policy anniversary
date before their 99th birthday.
Term
life insurance helps to protect the life insured’s family by providing a lump
sum in the event of death, which could be used to meet needs.
Add
up all your current debts to one figure and this is our starting point. From
here, depending on individual circumstances, we might add in educations cost of
children, funeral costs and medical expenses. The last but not the least point
to take into account is the future income requirements to the family. This last
point is very important as many families struggle to survive after the death of
the main income generator into the family.
Part 3
Adviser: Good morning, may I help you?
Customer: Good morning. I’d
like to consult about your insurance services.
Adviser: Ok, please sit down. We can offer you
various insurance, for example, property insurance, life insurance and health
insurance. Then what kind of insurance do you need?
Customer: Actually I bought a new car recently,
so I decide to insure it. But I really don’t know how much should I buy. Could
you give me some guidelines?
Adviser: Sure. We have seven different types of
car insurance ranging from $200 to $1,000 per month. You can choose the right
one according to your economic capacity.
Customer: Em, I see. What about the compensation,
if there are some traffic accidents, how much compensation could I get?
Adviser: According to the regulations, the
compensation rate for traffic accidents varies widely. You can get at most 80%
compensation.
Customer: Could I have full details of the seven
types of car insurance you offer?
Adviser: Sure, you can find out all the
information you want in this brochure.
Customer: Ok, I will read carefully. En…I
would like to choose the third type of insurance.
Adviser: Fine, please fill out this form first. I
will do other formalities for you then.
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