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Search Results - Health insurance

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Health insurance like other forms of insurance is a form of collectivism by means of which people collectively pool their risk, in this case the risk of incurring medical expenses. It is sometimes used more broadly to include insurance covering disability or long-term nursing or custodial care needs. It may be provided through a government-sponsored social insurance program, or from private insurance companies. It may be purchased on a group basis (e.g., by a firm to cover its employees) or purchased by individual consumers. In each case, the covered groups or individuals pay premiums or taxes to help protect themselves from high or unexpected healthcare expenses. Similar benefits paying for medical expenses may also be provided through social welfare programs funded by the government.

By estimating the overall risk of healthcare expenses, a routine finance structure (such as a monthly premium or annual tax) can be developed, ensuring that money is available to pay for the healthcare benefits specified in the insurance agreement. The benefit is administered by a central organization such as a government agency, private business, or not-for-profit entity.[1]

The concept of health insurance was proposed in 1694 by Hugh the Elder Chamberlen from the Peter Chamberlen family. In the late 19th century, "accident insurance" began to be available, which operated much like modern disability insurance.[2][3] This payment model continued until the start of the 20th century in some jurisdictions (like California), where all laws regulating health insurance actually referred to disability insurance.[4]

Accident insurance was first offered in the United States by the Franklin Health Assurance Company of Massachusetts. This firm, founded in 1850, offered insurance against injuries arising from railroad and steamboat accidents. Sixty organizations were offering accident insurance in the U.S. by 1866, but the industry consolidated rapidly soon thereafter. While there were earlier experiments, the origins of sickness coverage in the U.S. effectively date from 1890. The first employer-sponsored group disability policy was issued in 1911.[5]

Showing 1 to 25 of 174 Articles matching 'Health insurance' in related articles.
Pages: 1 | 2 | 3 | 4 | 5 | 6 | 7 | Next >>

1. Answers to Important Insurance Question That You Would Like To Know
March 10, 2010

When you go to buy a health insurance policy then it becomes very critical to choose the right cover. There are many insurance questions that must be asked regarding the type of health insurance policy. There are many technical terms which a normal man cannot understand. In this article there are answers for many of those insurance questions that are needed to be asked. These answers will further explain the complicated details of individual health cover. Most of these insurance questions are related to the current status of a person and status of his or her health cover. Some of the ques... (read more)

Author: Francis Adam

2. Ways of Getting Cheap Car Insurance
March 10, 2010

Every car owner must have the city auto insurance which is among the different types of insurance including home insurance, health insurance, life insurance etc. in many states of U.S., car insurance is an essential legal criteria. The reason behind this is the increase in the number of accidents in these states. U.S. is among the most populated city which makes it necessary for the government to take essential steps to avoid the accidents and mishaps and protect the citizens. There are lot of companies and establishments in the United States due to which people living here has their own car a... (read more)

Author: Francis Adam

3. Cheap Health Insurance - Tips for acquiring a health Insurance Plan
March 11, 2010

Insurance is a matured proverb in insurance companies health is Wealth’s the generally valuable action to keep up this resource is to acquire a health insurance plan for you as well assertor family. However, sometimes the premiums of specific insurance policies can depart you thoroughly of the financial statement position in life insurance. Can you actually sort out something to afford down your premium? View on to find out about the 5 speedy methods to decrease your fitness insurance premium in health insurance. http://www.bestinsurancelover.com 1. Accept a blooming way of life Exi... (read more)

Author: gagan kainth

4. How Much Life Insurance Do You Need
March 11, 2010

Life insurance can be a tricky issue, because taking it out requires you to sit down and think honestly about what would happen in the event of your death. That is hardly a pleasant subject, but it is one that you need to confront realistically if you are to judge how much cover you need, and what kind. It can be easy to underestimate the scale of the difficulties that might appear, but at the other extreme you don't want to be saddled with premiums that will prove impossible to meet. The first question you have to consider is who the life insurance will provide for, and for how long. I... (read more)

Author: Michel B

5. Individual Health Insurance Plans - Educate Yourself Today To Acquire The Most Affordable One
March 11, 2010

If you are looking for affordable individual health insurance plans to help in your long term health needs coverage, you may find it hard to get one these days. However, with the article here below, it can help to educate you more on how to properly find one easily. If people look carefully around, they will realize that more and more diseases are now existing and people at one time or the other may have fallen victim to them. These diseases may cause one to lose their savings overnight due to the medical treatments required. As a result, it is definitely wise to get an individual h... (read more)

Author: Johny J

6. Six Points to consider while buying Long Term Care Insurance policy
March 11, 2010

With the technological advancements in Medical Science, Long-term care insurance has become increasingly important as Americans have high life expectancy rate. It is very important to take a good look at your current health status as well as your family history before deciding to buy a Long-term care insurance policy. You must keep the following points in mind before buying long-term care insurance plan – Identify your needs – You must research long-term care insurance costs in your area. You can get most affordable long-term care insurance plans within your time and budgetary guideline... (read more)

Author: jack dale

7. HDFC Ergo New Healthwise
March 11, 2010

New Healthwise is a unique health insurance policy from HDFC Ergo. It covers all in-hospital medical treatment of the insured person for sickness and injury. This policy covers the following expenses with it's sub-limits: Hospital Room Charges- It pays up to 1% of the sum insured or Rs.5,000/- per day, whichever is lower. In case the patient is admitted in ICU, it pays up to 2% of the sum insured or Rs.10,000/- per day, whichever is lower. Specialist Fees- It pays up to 40% of the sum insured as reimbursement of cost incurred for a surgeon, anesthetists, consultant, medical practit... (read more)

Author: Habibulla Antule

8. A Buyer's Guide to Long-Term Care Insurance
March 11, 2010

Long-term care insurance can help defray the costs of a nursing facility, home care, or other paid long-term care for your parents -- or for you. Because the older you get, the more expensive the premiums, people usually buy long-term care insurance in their 50s or 60s, which means it may be more relevant to look into it for yourself than for your elder parents. But it may still be affordable and available for your parents if they're in their 70s, depending on their health history. A policy with poor terms and coverage is a waste of money. So, if your parents are going to buy this insuran... (read more)

Author: Caring.com Editorial Team

9. Finding behavioral health insurance Georgia plans
March 11, 2010

Because of the current stressors of every day life, many more people are seeking mental health services. For this reason, it is important to have behavioral health benefits included in your health insurance Georgia plan. Many health insurance Georgia plans exclude mental health benefits. This can be a great disadvantage when life circumstances lead to mental and nervous problems. If you do not have a health insurance Georgia plan that includes behavioral health, there are not a lot of resources out there for you. Georgia counties do have some mental health centers for those without healt... (read more)

Author: Sam Dicosta

10. Twin Cities Health Insurance
March 11, 2010

Health Insurance Policy: Selecting the Right OneThe state of your health is not something to toy around with. You may usually not have any threatening health concerns, although there is a number of people out there of have health problems and do not have health insurance when they so desperately need it. It really does not matter whether or not you have perfect or poor health, everyone needs a health insurance. There will always be some small chance that you may end up getting injured or sick.It is crucial you apply for a health insurance policy that will cover your specific needs. You can fin... (read more)

Author: Robert Nolan

11. Cover Your Risk With General Insurance
March 10, 2010

There are many insurances there for getting instant insurance. It is of different types relating to your auto, life and house, etc. you can enjoy taking ideas on them with the guidance and steps for insurance. Even you make out about agents, it is very important to know about general things. All types come under general insurance except the life insurance. There is some general insurance for you, and it includes motor, travel, business, home, health, student and accident insurance. You can have general a provision if you face any loss uncertain. Any insurance can rid tension and burden.... (read more)

Author: Michel B

12. The History and Origins of Health Insurance Georgia
March 10, 2010

In the 19th century, disability insurance came about, under the name of “accident insurance.” This is where health insurance Georgia policies came from. When modern medicine began, in the 1920s, hospitals and doctors started being able to reliably treat disease and illness. They then started charging more than most people could pay. This is how the need for health insurance Georgia plans came about. A hospital in Dallas created a system to help individuals cover the hospital costs. This primitive system became like what health insurance Georgia plans are now. Actually, the system created by th... (read more)

Author: Sam Dicosta

13. Words to Know to Find Cheap Health Insurance, Georgia
March 10, 2010

If you are looking for cheap health insurance, Georgia resident, there are lots of insurance related vocabulary words you should know. Study up on what makes a cheap health insurance Georgia policy cheap and yet high quality. Here are some words you should know when researching cheap health insurance Georgia policies. You will run into all of these terms while shopping around for the cheap health insurance Georgia policies. Deductible – This is the out of pocket amount that you will have to pay first, before health insurance benefits kick in. A lot of people will find cheap health insuran... (read more)

Author: Sam Dicosta

14. All you Need To Know About Independent Medical Exams
March 10, 2010

What is Independent Medical Examination Independent Medical Examination or IME is conducted to find out about the examinees or patient's status of physical health. Sometimes the doctor doing the independent medical examination is one, who has not handled the patient's case before. The entire idea is to get a true equitable view about the examinees physical health. Such independent medical examinations are frequently conducted by bosses, insurance companies etc . Independent medical examinations are generally conducted when there is compensation or a liability concerned. On the other hand... (read more)

Author: Kerry Reynolds

15. Health Insurance For Individuals - Options Of Paying It And The Best Way To Decide On One
March 10, 2010

Choosing a health insurance for individuals is in many cases a challenging topic to many people due to the fact they fail to have a full grasp of the complexity of needing a health care insurance policy. For instance, a great deal of people usually do not know precisely why some patients who saw medical professionals will need to co-pay the medical expense in each and every visit while others do not need to. This is exactly because both have insurance options that vary from one another. Why Co-Payment Is Necessary And Advantageous In our working population, most people have hea... (read more)

Author: Johny J

16. Things to Know Before Buying Individual Health Insurance
March 10, 2010

Why you need to buy individual health insurance ? Are you self-employed or your employer does not provide health insurance coverage? These questions are quite obvious because most of the companies in the United States provide health insurance coverage to its employees. At the same time, many small companies do not have this option. Self-employed individuals also have to buy health insurance plans from private companies. Does it trouble you? Do you feel it a cumbersome task to choose and pick a health insurance plan for your needs? Here’s something that might bring you out of the quagmire. Wh... (read more)

Author: Shaun Mike

17. Securing Your Future with Proper Insurance
March 10, 2010

The first thing that comes to mind after the purchase of a new home, car on any other product is its insurance to guarantee a safe and prosperous future against all hazards. Traditional policies like insurance for your life and home have now extended onto a larger variety of expansion schemes. Every product purchased now comes with the option of an associated insurance policy and coverage, claiming to provide the best benefits to every subscriber. The policy of providing vehicle insurance is one of the most trending policies in the current market with the number of vehicle owners rapidly ... (read more)

Author: Anny Kene

18. Carpal Tunnel Syndrome: Signs You Shouldn't Ignore
March 08, 2010

Many people tend to ignore signs of pain or weakness because they are too busy or do not have good health insurance. However, there are some things that shouldn't be ignored, as they can be symptoms of bigger problems. We use our hands every day for many different activities. Think about your day and how often you use them: typing, reading, showering, daily maintenance and chores, working and many other things occupy our hands. While it is normal to sometimes experience some pain associated with activities that happen every day, if it gets to a point that it is unbearable or if other... (read more)

Author: Andrew Stratton

19. ICICI Lombard-Family Floater Health Insurance
March 10, 2010

ICICI Lombard Health Insurance is available in different variants. A Family Floater Health Insurance is one of the health insurance policy which takes care of the hospitalization expenses of your entire family during sudden illness, surgeries and accidents. A single premium policy that covers your entire family with single sum insured and single premium. It provides cover for 2 years with no increase in the premium for second year. There is also option for 1 year cover also. The policy covers medical expenses for an inpatient during hospitalization for more than 24 hours. It includes hosp... (read more)

Author: Habibulla Antule

20. The Different Types of Discount Offered for Auto Insurance
March 08, 2010

Discount Auto Insurance refers to the discount which is offered by auto insurance companies in order to obtain a wider customer base. This discount auto insurance is available as different types discounts which are nothing but a part of the insurance companies policy to win over more customers. There are many types of discounts offered by the auto insurance companies. They are such as; Multiple Policy discount; if a person buys different types of insurance policies, such as; life insurance policy, auto insurance policy, health insurance policy and home insurance policy from the same... (read more)

Author: Francis Adam

21. Finding Inexpensive Health Insurance Is Easy Utilizing A Comparability Site
March 08, 2010

When looking at choosing inexpensive health insurance it is always a shrewd plan to view as numerous quotes as possible so as to obtain the best offer. A ailment or undesirable injury could simply turn up from nowhere and can leave you in financial ruin if the professional medical fees are not insured. There are several insurance firms out there contending for your business so you will find that prices and insurance policy coverage details vary from company to company. Acquiring low-cost health care insurance can be quite a tiresome as well as confusing project. It isn't possible to exami... (read more)

Author: Earle Allen

22. Manicure Tools & Supplies
March 08, 2010

Caring for nails have become a very regular beauty routine because of the awareness that nails are the barometers of health. Today we find more and more people rushing to do easy manicures. Although basic manicure routines can be performed at home but still people rush towards Nail salons for professional touch. Starting a nail salon will legally require you a proper licensing and insurance and ample space. Above all these requirements your business will thrive on availability of Manicure tools and skilled manpower. To start with Nail Salon in very noticeable place will be your first step tow... (read more)

Author: Parry P

23. Why Health Insurance?
March 08, 2010

The concept of health insurance is new in India but its awareness is growing fast. Health insurance comes in handy in case of severe emergencies. Life is unpredictable, insurance can make it safe and secure from bearing huge financial loss. The type and amount of health care costs that will be covered by the health insurance plan are specified in advance. Health plans are available in two formats, individual and group plans. In an individual policy you are personally the owner of the policy. While in a group plan, the sponsor owns the policy and the people covered under it are called its membe... (read more)

Author: Addy Smith

24. Medicare Coverage for Mental Health and Alzheimer's Care
March 08, 2010

What coverage does Medicare provide for inpatient hospital care for mental illness? Modern medicine recognizes that many mental and emotional problems are in fact physical illnesses or related to them. So, with either Medicare Part A hospital insurance plus Medicare Part B medical insurance, or with a Part C Medicare Advantage managed care plan, participants have extensive coverage for treatment of mental or emotional illness, including depression, Alzheimer's disease, and other forms of dementia. This includes both inpatient and outpatient care, and treatment not only by doctors but also... (read more)

Author: Caring.com Editorial Team

25. Ways to find the best health insurance plan
March 08, 2010

The most appropriate health insurance plans would be different for every person. This is because no two individuals would have same health and financial needs. A basic package would be sufficient for some while some need prescription coverage. Some others would need medical supply coverage. However, not many health insurance options are available in California. You can find the best health insurance plan by market scan and research on health insurance companies. The best insurance plan would be the one that would provide an ample coverage for the minimum premium amount. The health insura... (read more)

Author: Peter john

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