fabiochiu/medium-articles huggingface dataset:
12 крупнейших иншуртех-стартапов, получивших инвестиции более $15 млн. в 2020 году
By: Oleg Parashchak
Tags: Fintech, Insurtech, Startup, Insurance

Learn more. Medium is an open platform where 170 million readers come to find insightful and dynamic thinking. Here, expert and undiscovered voices alike dive into the heart of any topic and bring new ideas to the surface. Learn more

Make Medium yours. Follow the writers, publications, and topics that matter to you, and you’ll see them on your homepage and in your inbox. Explore
InsTech London — podcast 1. Insurtech memories: Paolo Cuomo spoke…
By: Paolo Cuomo, Talks Tech
Tags: Podcasting, Instech, Insurtech, Insurance, Podcast

InsTech London — podcast 1

Someone asked me about the origins of the InsTech London podcasts the other day. So, briefly some background.

What Matthew Grant is currently doing is truly awesome. Things started somewhat less slick and strategic.

I’d been keen to do podcast discussions for a while having discovered the value of the format in late 2015/early 2016. As we were looking for content and ideas for early InsTech London conversations I’d even had meetings and done interviews with people that would have made for excellent podcasts.

However the concept was so new that I feared people would find the whole thing too odd, so I repeatedly ‘chickened-out’ of asking.

While I regret some of those lost early insights, the silver lining was that podcast #1 was with Nick.

Podcast 1

From the very start of when I knew Nick he clearly believed that insurtech was a key part of the tech-enabled digital innovation transformation we would be seeing in insurance, and he really doubled-down in understand what was going on and which players were the most interesting.

This deep background of knowledge, combined with his recent visit to InsurTech Connect in Las Vegas meant that the insight Nick shared in this first podcast was pretty much unparalleled at the time.

Despite all my angst ahead of recording it flowed near perfectly, with decent audio, and clear structured thoughts.

I did think at that point that there would be nothing stopping a whole wave of similarly insightful discussions. In fact arranging and videoing ever more complex events got in the way. Some more good ones happened, including John Rowland who was then at Marsh/GuyCarp, but it was only when Matthew took it on later in 2017 that the rigour and structure got going. And most importantly, as with everything else in InsTech London, continued to evolve and improve.

Find it on YouTube

Back then there was no easy podcasting solution so I took the easy route and just put it on YouTube with a static image: https://youtu.be/ENqQzT5vHPE

It shows as having had 242 listens over the past 4 years which is of course a miserly number by today’s standards, but given how ahead of our time we were, I remain pretty pleased. And equally I remain thankful to Nick for his support for us as we set the pace.
InsurTech и традиционные страховые компании должны работать вместе, создавая единую экосистему
By: Oleg Parashchak
Tags: Insurtech, Insurance, Technology

Learn more. Medium is an open platform where 170 million readers come to find insightful and dynamic thinking. Here, expert and undiscovered voices alike dive into the heart of any topic and bring new ideas to the surface. Learn more

Make Medium yours. Follow the writers, publications, and topics that matter to you, and you’ll see them on your homepage and in your inbox. Explore
Партнерство и работа с цифровыми платформами и экосистемами предоставит страховщикам доступ к…
By: Oleg Parashchak
Tags: Insurance, Digitalization

Learn more. Medium is an open platform where 170 million readers come to find insightful and dynamic thinking. Here, expert and undiscovered voices alike dive into the heart of any topic and bring new ideas to the surface. Learn more

Make Medium yours. Follow the writers, publications, and topics that matter to you, and you’ll see them on your homepage and in your inbox. Explore
5 Best Business insurance in Texas
By: Live Without Pay
Tags: Insurance, Business Insurance

If you are doing business in Texas and looking for the best business insurance that’s suit your requirement, you are in the right place, here are the list of top 5 Best insurance for small business.

Top 5 Best Small business insurance company in Texas

1.State Farm business insurance

2.Hiscox (Best for Texas general Contractors)

3.Nationwide (General Liability insurance)

4.Progessive Commercial (Commercial auto insurance)

5.Liberty Mutual : (Business owner policy)
Data Shows Minimal Improvement in the Insurance Industry’s Diversity in Almost a Decade
By: Jaymie White
Tags: Insurance, Data, Diversity, Decade

The data from the U.S. Bureau of Labor Statistics compiled S&P Global Market Intelligence showed modest gains in diversity in the insurance sector from 2010 to 2019. The percentage of African-American or Black employees increased only by 3.4% and Asians by 1.8%. American Indian, Native Hawaiian, Native Alaskan and other Pacific Islanders accounted only for 2.7% of the insurance workforce. The total percent of non-white employees in the insurance sector was only 21.4% in 2019.

https://suppliertynews.com/2020/12/26/data-shows-minimal-improvement-in-the-insurance-industrys-diversity-in-almost-a-decade/
Insurance roboter@work
By: Julian Funke
Tags: Artificial Intelligence, Insurance

sounds a little bit ahead of time — but it is already reality.

Roboters with artificial intelligence are already analyzing, learning and clearing insurance requests. Even if you speak with a broker or the company itself, the work is done by some algorithms and ai.

Photo by NeONBRAND on Unsplash

Insurance companies are one of the most data driven companies worldwide. Ever thought about why your car policy costs as much as it does? Advanced mathematics and statistics try to figure out how high the probability for you, your age, your driving experience, the car you drive and so on is to make an accident. Cumulative with all the data gathered from tons on millions of insurance cases the result is your invoice.

This is all data-driven! Well, not a surprise, but how many data needs to be analyzed and ranked to create such a insurance policy? Humans can (not anymore) calculate the tons of millions of data points. Even the insurance claims are now being processed with the help of ai robots.
Agile Health Insurance Review
By: Amany Alali
Tags: Health, Health Insurance, Insurance, Investment, Healthcare

What is Agile Health Insurance?

AgileHealthInsurance is the online source for Short Term Health Insurance.

Is Agile Health Insurance Real & How Good is Agile Health Insurance?

They offer instant quotes from multiple health insurance companies and policies can begin as soon as the next day. The company allows customers to easily compare health insurance quotes and find the plan that best meets their needs.

Whether consumers are looking for a month of coverage or longer, whether they want a low premium or a low deductible, Agile has thousands of plans to choose from.

How Good is Agile Health Insurance ?

Agile Health Insurance makes it simple to choose, compare & apply online for affordable Health Insurance from leading Health Insurance Companies with ObamaCare options, Short-Term Health & Dental Insurance too! The online application takes less than 10 minutes.

HOW IS AGILE RATED?

Access Agile Health Insurance>>Here<<
Insured Finance Closes Angel Round
By: Insured Finance
Tags: Bitcoin, Defi, Insurance, Crypto, Ethereum

Insured Finance Successfully Completes Fundraising Round with Participation from Several Renowned VC Firms

The value of digital assets has drastically grown this year. The total value locked (TVL) in decentralized finance protocols recently reached over $16 billion. As DeFi and digital assets rapidly innovate and advance, holders of digital assets become exposed to a wide variety of risks.

Insurance solutions will become more important as the digital asset industry evolves. However, current insurance products are extremely restricted in their offerings. DeFi users can only secure coverage on specific DeFi protocols and only a small fraction of the TVL is covered. Insured Finance is building the future of digital asset insurance by launching a marketplace where users can make tailored requests for insurance.

Any participant in the marketplace can fulfill requests to earn a premium. Possible coverage extends far beyond DeFi protocols. Stablecoins can be insured against failure and exchange holdings can be insured against hacks. Combined, the potential value which can be insured is over $100 billion.

There is a pressing need for such an insurance solution and some of the leading venture capital firms in the cryptocurrency industry have acknowledged this. Several renowned VC firms have participated in the Insured Finance angel round with a total of 3 million tokens being allocated to these strategic partners. Each angel round participant is committing both their capital and their expertise to Insured Finance becoming a success.

Participants in the angel round include Moonrock Capital, Blue Node Capital, Nabais Capital, VYSYN Ventures, Vendetta Capital and Fairum Ventures. Each of these firms is a veteran in the cryptocurrency industry and will provide valuable guidance during the growth of Insured Finance.
Medicare For All Saves Families
By: That S Jacqueline
Tags: Insurance, Medicare For All, Politics, Healthcare, Family

Photo by Jacqueline Thompson

I’ve been unhealthy a lot of my life due to some genetic issues. About 20 years ago it started to really show. Fatigue, brain fog, and muscle weakness became my constant companion. It was another 10 years before I was diagnosed with several genetic disorders. Prior to that, I ran the gamut on diagnosis and treatment options.

I tried special diets, medications, exercises, changes in environment, and going completely natural on anything I surround myself with. Some of those things helped, some of them hurt, or some of them showed no benefit.

Until I had genetic testing done all of my doctors were guessing at what my test results meant. Half of the time I would have a low blood count, other times it would seem normal. I went from having very low blood pressure for years to spikes seemingly out of nowhere.

Weeks would go by where I was completely exhausted while my mind was active and wanted to accomplish things. Then I’d wake up one day and I’d feel fabulous and have a couple of good weeks of getting things accomplished only to find myself right back to the beginning. I had doctors that took this as depression. I wasn’t depressed. I wasn’t even particularly unhappy. I just really wanted to go out in the world and discover and create, love and be loved, and make a difference in others' lives.

After my diagnosis, I was able to put all of this scrutiny for why my health was the way it was to bed. That was the biggest relief. When you’re chronically ill there are those amazing people that want to help you find a cure. There are also people who try to self diagnose you or attribute your poor health to something you did. I suffered a lot because of the opinions of others. Those that claimed to love me, or have my best interest at heart. People who weren’t really qualified to give an opinion about someone else’s medical health.

Do I blame them? No. Some people just like to solve problems. Some are well-meaning but assume that their personal experience with something gives them all the facts and the ability to make judgments about others. The lesson I have learned from this is to never assume you know anything about someone else.
Pros and Cons of Long-Term Care Insurance
By: Mark Shalloway
Tags: Long Term Care, Insurance, Elder Law, Elder Care, Estate Planning

Everyone plans for their future differently. No one can accurately predict the future, so you have to make executive decisions about what you may need. Long-Term Care Insurance is one of those things that you and your loved ones must decided whether or not you need. Below we’ll break down the pros and cons of getting Long-Term Care Insurance (LTCI) so you can better determine what is right for you.

Credit: Ruedi Wealth Insurance

Pros

Long-Term Care Insurance is a security blanket. No matter what happens, having this insurance will give you comfort knowing that you have funds to care for yourself should your health deteriorate. These plans cannot be cancelled because of your age, physical condition, or mental health, so as long as you keep paying your premiums, you won’t lose your policy. The benefits you receive from this insurance are not taxed as income — another great bonus.

Credit: Caitlin Morgan Insurance Services

Out-of-pocket costs for long term care are over the moon expensive, with many reaching $10,000 a month. If your family has a history of ending up in nursing care, or you currently have health problems, this insurance is likely worth the cost. Over half of seniors will require long-term care at some point, so it is a good investment.

Cons

Though it is cheaper than paying for these costs out of pocket, Long-Term Care Insurance is not cheap. It is a newer form of insurance so the market is still regularly fluctuating, which could mean you will overpay. This is especially concerning if you end up not using it.

Credit: Envato Elements

Like many types of auxiliary insurance, you must qualify for coverage. At this point, as many as one in five applicants are rejected, and if you do qualify, preexisting health conditions will raise your premium. It is difficult to tell when you should apply, and whether or not you may qualify.

No matter what you decide, make sure you consult with an elder law attorney before making a final decision. They will help evaluate your circumstances and develop a plan. With the assistance of your elder law attorney, you will be able to help you protect yourself and your family by getting you the plan and the benefits you need.
Technical aspect
By: Idan Ohayon
Tags: Cloud Computing, Insurance

Insuranks

Insuranks is a platform that allows you to rate insurance companies and compare prices for receiving a variety of offers.

In addition, you can find detailed information and tips to become a more intelligent insurance consumer.

The platform is based on cloud services and uses managed services to handle a large amount of traffic and ensure maximum protection of the information and the site.

Insuranks have a lot of informative articles for example our business page has a great comparison for business insurance companies with pros & cons.

More details on this great project you can find here.
How to Find Cheap Business Insurance Quotes
Tags: Insurance, Business Finance, Insuranks, Business, Business Insurance

If you ever wondered how to find cheap business insurance quotes from the best business insurance companies out there with ease, then look no further than our comprehensive cheap business insurance comparison!

We’ve found some interesting things, including having newcomers like Thimble as some of the cheapest options out there, but there is so much more, so you better click the link above and check it out foryourself!
Car insurance quotation online
By: Judge Weekly
Tags: Insurance Companies, Car Insurance, Insurance

The various company provides Best Car Insurance online. If you want quotations online then, the various online platforms are providing you quotes online. If you need another country’s Car Insurance then you easily get it online. Here there is a complete guide on how to take online quotes on car insurance and their website rating also.

On talking while other hand you can easily get the quotes online of your car insurance. Let’s go…..

Car Insurance quotation the online USA

There is a various online website to get car insurance. I will talk the top 2 best website that provides you better car Insurance and better car Insurance quotation. Read more
Misinformation and Inaction Stall Proper COVID Auto Insurance Relief in Texas
By: Consumer Federation Of America
Tags: Covid 19, Regulation, Insurance, Politics, Texas

In another setback to ensuring that Texans get appropriate auto insurance refunds due to COVID-related reductions in claims and driving, the Texas Department of Insurance (TDI) released misleading information to public officials in November asserting an unsupported claim that drivers have seen $1.4 billion in overcharges returned to their wallets.

Five consumer groups, including CFA, sent a letter to TDI and Texas legislators highlighting the erroneous and misleading information that TDI has used to justify their failure to provide premium relief to consumers. In their letter, the groups point out that the $1.4 billion dollar figure is “…at best, a compilation of non-comparable actions by insurers — combining future rate reductions with second quarter premium rebates — and, at worst, a misleading statement to obscure TDI’s lack of action to protect consumers.”

The letter comes after months of conversations and letters between the consumer groups and the agency. The organizations first urged the agency to act starting in the spring, when there were widespread stay-at-home orders. The groups then provided additional information and data as the pandemic continued, and had a follow up meeting with the Department in August. In one of these meetings, TDI noted that it “needed to wait for more data to assess the situation — despite the fact that insurers themselves were able to determine by the beginning of April that their rates were excessive.”

“Instead of ensuring that insurers’ premium relief was sufficient, TDI waited for data. When public insurers announced to investors for the second quarter 2020 windfall profits for auto insurance due to huge reductions in claim costs, TDI waited for data. When public insurers announced to investors more windfall profits for the third quarter of 2020, TDI waited for data. Based on our November 23 conversation, TDI indicated a need to wait further, until January or February of 2021 for additional data,” the consumer advocates stated.
Insurance Saving Tips To Maximize Your Financial and Mental Health
Tags: Saving Money, Saving, Insurance, Personal Finance

Best Insurance Saving Tips To Maximize Your Financial And Mental Health

Insurance is essential, but everyone seems to avoid it because of the cost. Well, it shouldn't be. You can get a bang…
Why MassMutual buying 100 million in BTC is more important than Microstrategy buying 1 Billion
By: Bart Eggermont
Tags: Bitcoin, Regulation, Insurance, Cryptocurrency, Crypto

This was a news piece last week that I think was just underappreciated or its significance was underestimated.

https://www.businessinsider.com/insurer-massmutual-scoops-up-100-million-worth-of-bitcoin-2020-12

In 2020 there have been a lot of companies to put Bitcoin on their balance sheet and that was an amazing thing for the space.

But then there was Mass Mutual buying a measly 100 million in Bitcoin.

This is 0.04% of their 235 Billion investment account. This investment amount is a rounding error on its balance sheet and which in the grand scheme of things might look very insignificant.

Here is my reasoning as to why this is not the case:

For an insurer to buy bitcoin, no matter the quantity it needs approval from the FED. This means that bitcoin has in a sense received a stamp of approval from a US regulatory body

The Insurance company’s investment in Bitcoin shows that even the very traditional investor institutions are entering the market.

“We believe that having an equity stake in NYDIG as well as a bitcoin position in our general investment account will help us deliver long-term value to our policyowners,” said Tim Corbett, chief investment officer at MassMutual

Like Paul Tudor Jones helped other Investors and Microstrategy helped other Companies by being first and taking the reputation hit, it could open the doors to other insurance companies and pension funds investing in Bitcoin.

According to the note from the JPMorgan strategists, allocation of just 1% of funds from pension companies and insurance companies in the United States, United Kingdom, and Japan would move $600 billion of institutional funds into cryptocurrencies. At current valuations, that amount represents a 2x market capitalization of cryptocurrencies today.

All of these are long term players who ignore short term volatility, something that pension funds might not do so I expect that they will join in the trend but like MassMutual, they will do it with very small percentages of their portfolio just to dip a toe in the water.

It also helps them figure out how to handle everything in case they want to expand those purchases and makes sure they have all the procedures in place to handle these new kinds of investments.

This and a lot of other macro news keep me bullish for the long term but I hope to be buying a bit more Bitcoin before the mad rush higher.
Open enrollment is over, now what?
By: New Health Plans
Tags: Healthcare, Insurance, Health

By Monique Cabral

Open Enrollment for 2021 Affordable Care Act plans ends on December 15, 2020. In most cases, you would need to wait until the next Open Enrollment period starts on November 1, 2021, to change your health insurance plan or enroll in a new one. However, even after Open Enrollment has ended, there are some ways to still get health insurance coverage now.

These are:

Through a special enrollment period due to a qualifying life event like getting married, having a child, or losing existing coverage

Under a short term medical plan

Getting health insurance through a private provider

If you missed the ACA Open Enrollment deadline and do not qualify for Medicaid, or a special enrollment period, you might consider a short term health plan.

Some important things to consider regarding short term plans:

Short term plans do not meet the Affordable Care Act’s requirements for minimum essential coverage.

They do not commonly cover pre-existing conditions, and premiums can be based on your medical history.

These plans are not guaranteed issue, so your application can be turned down.

Regulations limit short term plans to 364 days in duration.

They’re not available in every state.

Now, when getting health insurance through a private provider, choosing a plan that fits your budget and supports your needs is essential. Places such as New Health Plans can help you find the right coverage and low premiums for free, with the help of a licensed health insurance agent.

So good luck and happy hunting!
When Plans Crumble: Texas
By: Meandering Mandy
Tags: Plans, Insurance, Travel, Family, Texas

In June of 2018, I planned to visit my friend in San Antonio, Texas. I have been friends with her since either 10th or 11th grade of high school. We have gone through a lot and have remained the best of friends! She had recently moved to the area, and I wanted to see her. I had never been to the state of Texas before. I had heard the state was big and hot! I booked my ticket, and we discussed all of the possible things we could do. Here is our list of things we were thinking of going to see and do, besides of course, the Alamo:

Hamilton Pool

Pedernales Falls State Park

McKinney Falls State Park

Gorman Falls

Watch bats fly from out of a bridge at sundown

I was super excited about this new adventure! Unfortunately, my plans crumbled. A week before I was set to leave, I got a call from my mom telling me that my dad had been involved in a motorcycle accident. He and his friends were riding their motorcycles in Tennessee, and he collided with a car. Thankfully, he was alive and stable! My mom drove down to get me in Indianapolis, and then we drove down to Knoxville, TN to the hospital. My dad is very lucky! It was a low speed crash, and he was wearing his helmet and protective gear.

I will spare you the gruesome details, but he did spend a few weeks in the hospital and in a rehab facility. Because of this, I called off my Texas trip so I could help my mom take care of him and all of the paperwork involved with the insurance. I am so glad my friend was understanding! I admire her for being calm about the situation and not guilt-tripping me into coming to Texas. She was very supportive, and I am glad to report that as of the writing of this blog post, my dad has recovered quite well! I am also glad I had purchased travel insurance so I didn’t lose too much money from the unused flights. Stay tuned to Meandering Mandy to see if I do end up traveling to Texas!
How do you claim under the Prime Minister Suraksha Bima Yojana? How do you claim under the Prime Minister Suraksha Bima Yojana?
Tags: Coronavirus, Covid 19, Narendra Modi, Money, Insurance

How do you claim under the Prime Minister Suraksha Bima Yojana? How do you claim under the Prime Minister Suraksha Bima Yojana? Yashshrivastava Dec 20, 2020·2 min read

Under the Prime Minister’s Insurance Protection Scheme (PM Bima Suraksha Yojana), an amount of Rs 2 lakh is given to the nominee or his family in case of death of a person who is insured. Along with this, an amount of Rs 1 lakh is given to the partially insured (Disabled) and Rs 2 lakh for the disabled. READ MORE

New Delhi. In 2015, the central government started an accident insurance scheme for the common man. Whose name is PM Suraksha Bima Yojana. In this scheme, two lakh rupees cover is given at the premiere of only 12 rupees yearly. The central government started this scheme for economically weaker people.

Let me tell you that under this scheme, the person who is insured dies in an accident. So the insurance amount is paid to the nominee or his family. Apart from this, Rs 1 lakh is given for being partially disabled under this scheme. On the other hand, an amount of Rs 2 lakh is given by the government to the insured on becoming fully disabled.

How to claim? To claim the Pradhan Mantri Suraksha Bima Yojana, the nominee has to go to a bank or insurance company. Where the policy is purchased by the insured. Here the nominee is given a form to claim the insurance amount.

In which the details like name, address, mobile number, hospital details have to be filled in and submitted. Apart from this, you can also download this form from the nominee jansuraksha.gov.in website. It is available on the website in many regional languages ​​besides Hindi and English.

READ THIS — Top 5 Health Insurance In India 2020

Documents required for the claim — When the nominee claims for the sum assured in the Prime Minister’s Insurance Scheme. So he has to submit some important documents along with the form. Which mainly consists of Death Certificate or Disability Certificate.

After verification, the amount of the policy is received — for the claim of Pradhan Mantri Suraksha Bima Yojana, when the nominee submits all the documents along with the form. Then the concerned authorities verify those documents.

If all the information given by you in verification is found correct. So the amount of the claim is deposited in the account given in the form and in this way the claim gets set up.
For individuals who are self hired or have a task without a fitness advantages shopping for medical…
Tags: Health, Health Insurance, Mental Health, Insurance, Healthcare

Why You Should Buy Health Insurance?

For individuals who are self hired or have a task without a fitness advantages shopping for medical insurance is a superb idea. If you’ve got got medical insurance you may cowl your self and your family. In case you do not have it, you are taking a risk. You actually need to get medical insurance if you be afflicted by continual fitness situations and also you want normal fitness care. If you’re one of these healthful individuals who do not be afflicted by whatever, you’re fortunate however but you want to shop for medical insurance as it covers injuries and whatever else that would show up to you. Imagine some thing occurs and you don’t have any medical insurance, then you may ought to pay large payments for clinical care.

You can without difficulty keep away from all that via way of means of selecting one of the many moderately priced plans to be had to humans with distinct fitness needs.

If you hop on line you’ll see how smooth it’s miles to shop for medical health insurance. All it takes is to go to this website- ehealthinsurance.com and test the sampling of prices from distinct medical health insurance companies primarily based totally on gender, age and smoking records. You can get prices for individuals, couples, households or even small groups. After that you’ll get all of the insurers' gives displayed with anticipated month-to-month charges listed. You also can examine the blessings the authentic insurers offer. In case you keep in mind your self a wholesome person, it’s miles first-rate in an effort to get the plans with the better deductibles and co-can pay that have a decrease month-to-month top rate. If you be afflicted by a continual infection like asthma, then I might advocate you went for a plan with a decrease deductible. This is what you need to keep in mind cautiously earlier than you make a decision to shop for medical health insurance.

If you need to make sure your self and your own circle of relatives then you definitely’ve were given best one choice and that is to shop for medical health insurance. If you aren’t precisely certain what to do and you’re a chunk confused, then why now no longer do some studies first. Check the webweb page of the Agency for Health Care coverage and Research at www.ahcpr.gov and locate the answers. When you’ve got already selected the first-rate coverage for you, then you definitely need to whole a fitness records questionnaire. You will should pay a small utility rate and offer the fitness facts that’s required. Once you do that you’ll should wait in order that your utility is reviewed after which you could have your real top rate determined. Applying for and shopping for medical health insurance on line isn’t always a tough process, so provide it a try. If you’ve got got any questions, there may be customer service body of workers to be had. Don’t hesitate any more, simply do it, purchase medical health insurance.
Roadside Assistance Cost near Raleigh, NC
By: Roadman Roadside
Tags: Insurance, Raleigh, North Carolina, Roadside Assistance, Road Man Roadside

Having car trouble and not sure if you can afford roadside assistance? Well here’s a quick snapshot of what prices look like near Raleigh, North Carolina.

A company like Road Man Roadside, LLC (RMR) usually charges a flat rate of $60 for all of their service calls including:

Tire changes

Vehicle lock-outs

Jump Starts

Battery Replacements

Depending on your situation their may be additional charges. Here’s an example. If you call RMR for a tire change and the technician assisting you discovers a nail in your tire, they may offer to plug the tire for an additional $15. This way you wont have to ride on your spare tire as they are usually rated to drive at 55 mph and under.

If you already own a roadside assistance policy with one of the major motor clubs like Geico or National General insurance you will be provided with a peace of mind knowing you have these coverage options available to you.

Here are a few things to consider before you decide.

For starters a major pain point is the Estimated Time Arrival (ETA). Many times motorists are stranded waiting hours for a service provider to arrive on scene. According to your schedule, budget and patience you can decide weather you want to wait or call a company like Road Man Roadside, LLC who are independent and provide accurate ETA’s usually between 20 minutes to 1 hour. Traffic, weather and other factors may affect the true arrival time.

If you pay a roadside assistance company who isn’t in your insurance providers network, you may be entitled to a reimbursement according to the terms in your policy.
Open enrollment is over, now what?
By: Monique Cabral
Tags: Health Insurance, Open Enrollment, Insurance, Healthcare, Health Insurance Plans

Open Enrollment for 2021 Affordable Care Act plans ends on December 15, 2020. In most cases, you would need to wait until the next Open Enrollment period starts on November 1, 2021 to change your health insurance plan or enroll in a new one. However, even after Open Enrollment has ended, there are some ways to still get health insurance coverage now.

These are:

Through a special enrollment period due to a qualifying life event like getting married, having a child, or losing existing coverage

Under a short term medical plan

Getting a health insurance through a private provider

If you missed the ACA Open Enrollment deadline and do not qualify for Medicaid, or a special enrollment period, you might consider a short term health plan.

Some important things to consider regarding short term plans:

Short term plans do not meet the Affordable Care Act’s requirements for minimum essential coverage.

They do not commonly cover pre-existing conditions, and premiums can be based on your medical history.

These plans are not guaranteed issue, so your application can be turned down.

Regulations limit short term plans to 364 days in duration.

They’re not available in every state.

Now, when getting a health insurance through a private provider, choosing a plan that fits your budget and supports your needs is essential. Places such as New Health Plans can help you find the right coverage and low premiums for free, with the help of a licensed health insurance agent.

So good luck and happy hunting!
Health insurance: What’s the special enrollment period and do you qualify?
By: Monique Cabral
Tags: Health, Health Insurance, Insurance, Insurance Companies, Healthcare

Since the 2021 Open Enrollment Period is over, you can now enroll in or change a Health Insurance Marketplace plan only if you have a life event that qualifies you for a Special Enrollment Period.

So who qualifies for the special enrollment period?

If you or anyone in your household lost qualifying health coverage in the past 60 days (or more than 60 days ago but since January 1, 2020) OR expects to lose coverage in the next 60 days, you may qualify for this Special Enrollment Period.

You may qualify for a Special Enrollment Period if you or anyone in your household in the past 60 days:

Got married. Pick a plan by the last day of the month and your coverage can start the first day of the next month.

Had a baby, adopted a child, or placed a child for foster care. Your coverage can start the day of the event — even if you enroll in the plan up to 60 days afterward.

Got divorced or legally separated and lost health insurance. Note: Divorce or legal separation without losing coverage doesn’t qualify you for a Special Enrollment Period.

Died. You’ll be eligible for a Special Enrollment Period if someone on your Marketplace plan dies and as a result you’re no longer eligible for your current health plan.

Household moves that qualify you for a Special Enrollment Period:

Moving to a new home in a new ZIP code or county

Moving to the U.S. from a foreign country or United States territory

If you’re a student, moving to or from the place you attend school

If you’re a seasonal worker, moving to or from the place you both live and work

Moving to or from a shelter or other transitional housing

An employer offer to help with the cost of coverage

You may qualify for a Special Enrollment Period if you or anyone in your household newly gained access to an individual coverage HRA or a Qualified Small Employer Health Reimbursement Arrangement in the past 60 days OR expects to in the next 60 days.

Private health insurance:

If you don’t qualify under any of these options mentioned above, you still have a chance to get private healthcare with the help of New Health Plans, you can get a free quote today and figure out your options for better and cheaper health insurance.
The Fine Print of Health Insurance
By: Cure Benefits
Tags: Health Benefits, Fine Print, Insurance, Healthcare, Health Insurance Plans

Terms and conditions? Who would ever read those? As it turns out, however, it’s imperative that you understand what is in your insurer’s fine print.

To start off, we must note that this can vary depending on your health insurer and plan.

The most important part of health insurance is what it covers. You can often find coverage guidance and costs in the Evidence of Coverage (EOC) provided by your health insurer. Since the document can be 200–300 pages long, we’ll focus on the sections that are important.

The primary function of the document is include information about limitations to your coverage. One of the common limitations you will find in the fine print for health plans is whether or not something is medically necessary.

An example EOC from Blue Cross Blue Shield of North Carolina

In order to figure out if something is deemed “medically necessary”, you can refer to your health insurer’s Medical Guidelines and Clinical Practice Guidelines (the name may vary by insurer). You can also look at Medical Policy and Utilization Management Guidelines to determine whether equipment, procedures, or services are considered medically necessary. Often times, treatment is only covered under very specific instances.

This is why we encourage reading the fine print and confirming that your insurer will actually cover your medical bills. You don’t want to incur a medical bill that won’t be covered because of some fine print.

Other things to look for in your insurer’s fine print: out-of-network hospital services, what is covered in the event of an accident, and treatment for conditions that was the result of non-covered services — for instance, cosmetic surgery causing an infection.

Even if your insurer says no to covering a medical service, you can appeal that decision. Consult your EOC for your appeal and grievance rights and information about government assistance from a federal Independent Review Entity.

If that sounded like a lot of jargon and cumbersome fine print, that’s because it is.

Numbers may vary depending on your employer’s wishes.

If you are a patient signed up with Cure’s platform, you can click on My Benefits to see how much you will have to pay for services. In this example, all the numbers represent the maximum cost for each type of care (primary, urgent, and emergency).

While Cure is not an insurance company, we help self-insured businesses effectively run their own health benefits plans through our platform. In our view, reading a few numbers on Cure’s My Benefits page is easier than a 200 page Evidence of Coverage.
Health insurance coverage, explained
By: U.S. Senator Bob Casey
Tags: Health, Insurance, Pennsylvania, Healthcare, ACA

Great news, Pennsylvanians! Pennie — Pennsylvania’s NEW health insurance marketplace — has extended its Open Enrollment deadline. If you still need to enroll in health insurance for 2021, you have the opportunity to do so now.

There are two enrollment deadlines:

For health coverage starting January 1, you must enroll in an insurance option by 11:59 PM ET on December 22. For health coverage starting February 1, you must enroll in an insurance option by January 15.

Pennie replaces the federal health insurance marketplace for Pennsylvanians. If you previously received coverage through Healthcare.Gov, you will now receive coverage through Pennie.

To learn more about Pennie and to shop for coverage, visit https://pennie.com.

If you need assistance with any part of the enrollment process, Pennie offers resources and care representatives who can help. Additionally, my staff is ready and available to help with any concerns you may have. Simply contact me through my website.

Now more than ever, quality health insurance is critical for all Pennsylvania families. Do not miss your opportunity to enroll in coverage for 2021.

Sincerely,

Bob Casey
Nsure Network, l’assurance de la blockchain rencontre la confidentialité
Tags: Oasis, Blockchain, Insurance, Cryptocurrency, Privacy

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HOW DOES MOONSHOT INSURANCE CONTEXTUAL INSURANCE WORK ?
By: Moonshot Insurance
Tags: API, Innovation, Insurance, Technology

Moonshot Insurance is an Insurance-As-A-Service platform offering contextual B2B2C insurance. One of our strengths is our ability to plug your existing sales funnel quickly and efficiently into our APIs and offer our products to your customers. But how does this customized platform work ?

What is an API ?

An API is a service that allows two applications to talk to each other; it stands for Application Programming Interface. Moonshot Insurance’s contextual insurance solution offers an API to connect your e-commerce website to our services. The operation is simple; our API adheres to industry standards and offers state-of-the-art security. Our backend is hosted in Amazon Web Services and leverages many “serverless” technologies such as API Gateway (for API exposition), Lambda functions (for business logic) and DynamoDB (for data storage). The end result is a robust, highly scalable, low-maintenance platform.

A quick journey into our deployment process.

At first, we configured and deployed the Lambda functions and API gateways manually. This way we explored the different configuration option and tools to deploy a quick proof of concept. We then sought to automate our processes. It was a long work, and one that is still ongoing today; as our platform and services developed, we eventually outgrew our initial toolchain and invested in more robust automation solutions. Today, using Infrastructure as Code and industry-leading tools such as Terraform, we are able to deploy new changes to production in just a few minutes. Before we do this, however, our code is thoroughly tested, both locally and remotely, before the code becomes active in production.

Our architecture is still very much a work in progress, and we expect our tools and processes to keep evolving to improve our performance.
Telling Stories through Toys: A Conversation with Collector and Filmmaker Brian Levant
By: Wax Insurance
Tags: Brian Levant, Collecting, Toys, Flintstones, Insurance

The Collector and the Collection

Brian Levant is a super star film and TV writer, producer, and director. Regardless of whether or not you’ve heard of him, you’re probably familiar with his work, which includes titles like “The Flintstones” live action movie that was released in theaters in 1994, the beloved “Beethoven” and “Jingle All the Way” which has become a Christmas cult classic. But at WAX, as collectors, what impresses us more than his IMDb profile is his immense toy collection, the product of a habit that originates from the same influences as his career.

Brian Levant

“I was a TV junkie, truly, my nursery school teacher said I was going to be a TV impresario like Sol Hurok…that’s pretty weird for a four year old but I was a child of the first generation of TV, I was marinated in the stuff and by the time I was eight I was submitting jokes to local kids shows. I was writing skits for cub scouts and the talent paper, I was making movies when I was ten. I was that guy in the 60s with the Super 8 camera.”

Like most children do, Levant started collecting toys from a very young age, “I was a big toy guy” he says, “In every childhood picture I’m holding Bozo or I’m holding Morgan which is a droopy dog doll, I even have one now. I also have my Pluto clock that sat on your dresser and the hands were bones that glow in the dark, and I also have my Robert the Robot that was under a Christmas tree in 1956.”

But unlike most kids that grow out of their toy collecting habit when they become teenagers, Levant circled back and his collecting got more serious in adulthood.

“My last year of college when my then girlfriend, now wife, and I moved in together we began to acquire a lot more. And one thing she brought was a really nice old plaster pair of salt and pepper shakers that a friend who was working on Andy Warhol’s auction gifted her. That inspired us. We would go to the state fairgrounds on Sunday for the big flea market — back in those days we had no money — but salt and pepper shakers were a quarter and pretty soon we were building a shelf and we had 100 pairs of salt and pepper shakers. One of those pairs happened to be a Mr. Peanut set, and I started to see and collect more Mr. Peanut, and Mr. Peanut led to Mickey Mouse, and Mickey Mouse led to Popeye…and then I started working on shows and movies that had long histories and massive amounts of merchandising and toys, board games, figures, lunch boxes, vehicles, and so collecting became as much about the influences from the things I was doing in my career as the pop culture that spawned the rest of my collecting.”
Immotheker Finotheker déploie l’assistante d’assurance « Louise » dans 95 agences
Tags: Belgium, Insurance, Broker, Startup, Technology

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Tips to find best insurance advisers in Auckland | Eureka Financial
By: Eureka Financial
Tags: Financial Services, Insurance

Eureka is financial services and advisory company giving quality mortgage, insurance, advise for the residential market. https://www.eurekafinancial.co.nz/
Welcome to Health Care in America
By: Charles Bastille
Tags: Racism, Insurance, Obamacare, Healthcare, ACA

Let’s be clear here. The ONLY reason Republicans turned against Obamacare, the perfect marketplace for insurance companies to gather intel on you and hit you with exorbitant costs in a captive marketplace set up by the government, in other words, the perfect capitalist tool, was racism. Obama proposed it.

Obamacare was based on Romneycare, which in turn was based on a Republican proposal created by the Republican lobby group The Heritage Foundation.

Don’t believe me? Here is a link to the birthplace of Obamacare, on the Heritage Foundation’s own website:

It was a perfect capitalist tool because it gathers every American, potentially, into one spot where a bunch of health insurance companies can post their insurance plans onto a bourse where they have a captive audience.

The reason Republicans can’t create a better healthcare system is that the ACA was already the perfect system — for them and insurance companies.

Not so good for you and me, however. Not at $800 a month. With a $5,000 deductible. This means that for a healthy guy like me, a visit to the doctor is barely covered under any plan between $600 and $750 or so, AND, I have to pay $600 plus a month to an insurance company to pay for the costs of servicing people who don’t take care of themselves.

An overnight hospital stay? Forget it. I’m paying for that.

For me, the outrage isn’t even the fact that every other civilized nation on earth has a government-run healthcare plan that generally takes profit out of the equation.

The real outrage is the consistent Republican efforts to torpedo a plan that they invented, all because a man with brown skin offered it at the federal level.

If a President Mitt Romney had offered this plan, who here believes Republicans would have turned against such a brilliant marketing tool through which the government subsidizes a bourse where insurance companies can ply their services?

I won’t pay it. I’m not signing up for this extortion.

If I end up in the emergency room, y’all can pay for it.