The individual insured person’s obligations may take several forms :

• Premium: The amount the policy-holder or his sponsor (e.g. an employer) pays to the health plan to purchase health coverage.
• Deductible: The amount that the insured must pay out-of-pocket before the health insurer pays its share. For example, policy-holders might have to pay a $500 deductible per year, before any of their health care is covered by the health insurer. It may take several doctor’s visits or prescription refills before the insured person reaches the deductible and the insurance company starts to pay for care.
• Co-payment: The amount that the insured person must pay out of pocket before the health insurer pays for a particular visit or service. For example, an insured person might pay a $45 co-payment for a doctor’s visit, or to obtain a prescription. A co-payment must be paid each time a particular service is obtained.
• Coinsurance: Instead of, or in addition to, paying a fixed amount up front (a co-payment), the co-insurance is a percentage of the total cost that insured person may also pay. For example, the member might have to pay 20% of the cost of a surgery over and above a co-payment, while the insurance company pays the other 80%. If there is an upper limit on coinsurance, the policy-holder could end up owing very little, or a great deal, depending on the actual costs of the services they obtain.

Having health insurance can make you more attractive, according to a national survey of college students and graduates conducted in April 2011 by global insights firm Kelton Research and sponsored by eHealthInsurance (NASDAQ: EHTH). A large majority of surveyed students (90%) and recent grads (93%) feel that knowing a potential significant other has health insurance would make him or her more attractive.

The survey found that many students and recent grads are willing to alter their lifestyles and sacrifice some of their favorite activities, like travel, in order to secure health insurance. It also found that nearly all students (97%) and grads (97%) consider health insurance important. In fact, many find health insurance desirable enough to make tangible sacrifices in order to get coverage:

* Eating out: Nearly seven in ten students (68%) and recent grads (67%) said they would give up a weekly night out at a restaurant in order to obtain coverage
* Movie Night: Comparable amounts of students (67%) and grads (64%) would be willing to give up a weekly night at the movies
* Daily Coffee: However, caffeine is a harder habit to break, as just over half of surveyed students (51%) and grads (53%) feel it’s worth giving up their daily coffee in order to obtain health insurance coverage
* Putting Parents in Charge: Surprisingly, nearly two in ten students (18%) are willing to let their parents make all their financial decisions for a year if it meant obtaining health insurance coverage

The survey shows that in addition to making specific sacrifices in order obtain coverage, many of today’s students and grads would alter their lifestyles or plans for the future if they had no health insurance:

• Family Planning: More than half of the recent grads surveyed (53%) said they were less likely to start a family without health insurance
• Riding a Motorcycle: Nearly half of current students (49%) and more than four in ten grads (43%) say that they would be less likely to ride a motorcycle without health insurance
• Foreign Travel: Over four in ten students (46%) and recent grads (42%) would be less likely to travel to a foreign country with questionable public health standards, such as poor drinking water quality, if uninsured
• Extreme Sports: More than four in ten (45% of students and 47% of grads) would also be less likely to engage in dangerous athletic activities such as rock climbing or skiing if they had no health insurance
• Safe Sex: Three in ten students (30%) and grads (32%) would be less likely to have sex with someone on a first date without health insurance

According to the survey, when it comes to affording health insurance on their own, today’s college students and grads expect to overpay for health insurance:

* Students surveyed expect to pay $204 on average per month for health insurance coverage
* Recent grads expect to pay $171 on average per month for coverage
* According to eHealthInsurance’s 2010 Fall Cost Update1, a survey of plans purchased through eHealthInsurance, the average monthly health insurance premium paid for individual coverage of 19-26-year-olds was $113

A health insurance policy is:

1) a contract between an insurance provider (e.g. an insurance company or a government) and an individual or his sponsor (e.g. an employer or a community organization). The contract can be renewable (e.g. annually, monthly) or lifelong in the case of private insurance, or be mandatory for all citizens in the case of national plans. The type and amount of health care costs that will be covered by the health insurance provider are specified in writing, in a member contract or “Evidence of Coverage” booklet for private insurance, or in a national health policy for public insurance.

2) Insurance coverage is provided by an employer-sponsored self-funded ERISA plan. The company generally advertises that they have one of the big insurance companies. However, in an ERISA case, that insurance company “doesn’t engage in the act of insurance”, they just administer it. Therefore ERISA plans are not subject to state laws. ERISA plans are governed by federal law under the jurisdiction of the US Department of Labor (USDOL). The specific benefits or coverage details are found in the Summary Plan Description (SPD). An appeal must go through the insurance company, then to the Employer’s Plan Fiduciary. If still required, the Fiduciary’s decision can be brought to the USDOL to review for ERISA compliance, and then file a lawsuit in federal court.

We saw in his day, the importance of the recruitment of home insurance for our homes, in order for us to cover any contingency that occurs in them, such as theft, fire, water damage, etc.. However, many of you might be wondering not only which of any insurance that we offer in the market are the best on price and coverage, but how will we know to identify and choose the biggest advantages we offer the best prices and best coverage. Well, then I discussed the main things to keep in mind when choosing knowing that it will be the best home insurance from those available in the market.

1) The experts tell us to choose among insurance agents that there are those who are closest to our homes. Still any problem and have come to doubt that we can approach and we can resolve all these concerns.

2) The experts also recommend and advise us as a step to go to our insurance agents know exactly the square footage of our homes, which have the same seniority and the type of foundation and siding.

3) It is very convenient to ask all those questions and issues regarding the policy that the insurer who we will hire our home insurance in order to avoid having home insurance contracted us to get some surprises.

4) And finally, you will have, prior to choosing the home insurance with you are going to finally sign the contract, having researched and asked about other home insurance, pricing, and coverage .

Home insurance Mapfre and Platinum Total: coverage. I already talked at the time about any of the products we offer the Mapfre home insurance , and in view of your interest, today we will continue to speak of other products of this company in terms of home insurance is concerned. So, I discuss below another range of home insurance that we contract with Mapfre when we decide to protect our homes against any problem that might happen to them.

• total home insurance:

- Damage: Includes water damage, broken windows, sanitary equipment, fire, explosion, damage from weather events, and locating and repairing water damage from leaks.

- Burglary and theft: Includes related harm or attempted theft, both at home and abroad of the same, replacement of locks and keys, health care costs for injuries, uninhabitable housing, availment of documents, etc. .

- Cosmetic damage: includes repair and replacement costs of insured property aesthetics.

- Additional guarantees: Includes loss of power due to refrigerated foods, street robbery, theft of jewelry, personal effects and replacement of locks.

- Liability: Includes compensation, bonds and court costs and damages to third parties.

- Home care: It includes monitoring and protection in situations of emergency family assistance by accident in the home, repairs, alterations and other services information service animals Computer assistance in the home, and the telephone medical advice .

- Legal Expenses: Includes claims for damages, Criminal Defense, Employment Claims, procedures in case of death, etc.

- Travel assistance: Includes illness or accident abroad, location and rescue of companion expenses, in case of hospitalization or death of the insured costs due to early return to, damages for loss or theft of luggage delivery of drugs;
advance of funds abroad, and the transmission of urgent messages.

- All Risks Home: Includes any casualty resulting in damage to insured property (over 100 €, and emergency health care by household accidents.

2) Home insurance platinum

- Damage: Includes the location and repair of damage due to water leakage, breaking glass, countertops, marble tables, the damage to equipment and electronics, as well as the loss of refrigerated food.

- Burglary and theft: Includes related harm or attempted theft, and street robbery, theft of jewelry, personal effects.

- Cosmetic damage: includes repair and replacement costs of insured property aesthetics.

- Additional guarantees: Includes loss of power due to refrigerated foods, street robbery, theft of jewelry, personal effects and replacement of locks.

- Liability: Includes compensation, bonds and court costs and damages to third parties.

- Home care: It includes monitoring and protection in situations of emergency family assistance by accident in the home, repairs, alterations and other services information service animals Computer assistance in the household and medical guidance directly.

- Legal Expenses: Includes the claim for damages, the legal efensa dy against third party claims.

- All Risks Home: Includes any casualty resulting in damage to insured property (over 100 €) and the emergency health care by household accidents.

- Travel assistance: Includes illness or accident abroad, location and rescue of companion expenses, in case of hospitalization or death of the insured costs due to early return to, damages for loss or theft of luggage delivery of drugs; advance of funds abroad, and the transmission of urgent messages.

Today we speak of another interesting home insurance currently available in the market. We refer in this case Caser home insurance Home. Caser Home insurance Home insurance is one of few on the market that offers the most complete coverage and best value for money. Home home insurance is intended to protect our homes against any risk that may occur in them.

In terms of coverage offered by this insurance we find the following:

- Fire and some damage, coverage includes among its fire, explosion, lightning strike, the weather, flood, breakage of sanitary ware, ceramic hobs, and water damage, electrical damage, loss or deterioration of food.

- Theft: Theft includes both the home and outside it insured, the insured housing theft, and fraudulent use of credit cards.

- Temporary transfer of property insured: Includes room service in hotels, the transport within the transport medium used for moving, and moving the transfer or transfers made ??with transport companies.

- The reconstruction of aesthetics.

- Other benefits: costs and uninhabitable housing.

- Civil liability: both property and family (including court costs in the family).

- Attendance at home.

- The IT support: remote assistance and data recovery.

- Travel assistance.

- Optional Coverage: Includes all material damage, motor vehicles / vessels in the garage, the physical injury, the electrical fault, the liability of amateur radio antennas, legal protection and payment of expenses, claims for damages, service contracts , relating to housing rights, tax law, legal direction, advice and arbitration court.

And finally, regarding the payment, Caser Home offers three types of payment:

- Annual.

- Semi-that has a surcharge of 2% fractionation.

- Quarterly: where the mark becomes 4%.

In keeping with our philosophy of mention to the various home insurance in the market so you can choose the one that best suits your needs, today we speak of one of those confident that we can recruit, that is, home insurance Groupama. Groupama offers a wide and varied range is safe customized to the needs of each family, in order to protect our homes from any accident and failure. Thus, depending on the needs of our home, Groupama offers the possibility of hiring two different types of insurance, which are:

• Home insurance: that is aimed at a broad market sector, whether primary residences, secondary or intended for rental.

Among the main guarantees coverage and we will cover include the following.

- Acts of vandalism or malicious
- Damage caused by water (including location and troubleshooting)
- Damage to electrical origin
- Demolition and debris removal costs
- Firefighting costs
- Uninhabitable and loss of rent
- Fees for experts
- Theft and burglary.
- Risks outside the home, and
- Civil Liability, Surety.

It is appropriate for you to know that home insurance allows the possibility of hiring other guarantees.

• Elite Home insurance: This is a very high-end product, its object being the primary and secondary homes to middle and high capital.

Among its guarantees and covers highlight the following:

- Fire, explosion and lightning strike
- Rain, wind, hail and snow
- Damage various
- Damage by smoke
- Flooding
- Damage to electrical origin
- Demolition and debris removal costs
- Firefighting costs
- Reconstruction of documents
- Cosmetic damage
- Food in refrigerators
- Breakage of windows, mirrors, glass, marble, acrylic, granite and natural stone, ceramic hobs and sanitary equipment
- Theft
- Risks outside the home, and
- Home care

Also, as in the previous case, the home insurance allows the possibility of hiring other guarantees.

Today we speak of one of the products we can offer Mutua Madrilena, which by its wide acceptance and interest we are going to discuss. The product in question is the home insurance second home Home MM. And we all know, the problems and inconveniences that we can marry to have a second home, either at sea or in the mountains, especially when we go long periods without power. Precisely this is why it is essential to have a good home insurance that covers us all the contingencies that may arise at some point in our second home.

The main advantages offered by this new insurance Mutual highlight the following:

- Compensation for cosmetic damage: up to 1,500 €.

- Regarding civil liability, we can choose from 150,000 € to 300,000 €.

- With regard to compensation for jewelry, up to 10% of the value of content with a maximum 6,000 €.

- We will also have a series of no-claims bonus for up to 15%.

- For all the mutualists and customers of the Group, will be up to 10% discount.

- And finally, and for those that are mutual Platinum also have up to 10% discount.

And finally, in terms of their coverage, highlighted by water damage, atmospheric phenomena, aesthetic damage, fire, electrical damage, loss of rent, etc.

Home Insurance

When purchasing a new home there are many responsibilities associated with it at the same time we assume. A home includes many services that in some cases can be dangerous, we speak of light, water, gas. Any small problem can lead to minor flooding, fires, or even an explosion.

To prevent any incident can ruin our main investment home insurance contract that offers coverage to these accidents.

Home insurance can cover both the damages that may arise in our home as we can bring about the neighbors for some kind of incident with the aforesaid services.

Home insurance rates

• The price of home insurance will depend on multiple factors, which to some extent we can adjust up to a policy with which we feel at ease. A continuacón analyze the factors of interest.
• Unit size: applying logic greater the size of the house the greater the cost of housing. To do this we ask the square meters.
• Housing Age: Age is also a big factor as an older home usually brings more problems than infrastructure. Older means more cost.
• Continent: This parameter determines the value Join the structure of the building, ie what comes with the house. Its value should match the cost of housing reconstruction.
• Content: In this concept includes all accessories located within the housing, ie, furniture, appliances, objects, etc. We can set its value to our liking, although this value will determine the maximum cost to assume the insurer.
• Additional parameters: the time to fix the cost to insurance companies ask a lot of extra information that influences the price of the policy, namely the property status, height, garage, individual security, collective security and long etcetera.