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According to the Gallup-Healthways Well-Being Index as of February 2014, even with the Affordable Care Act, which mandates that practically all Americans have health insurance, 15.9 percent of Americans lack coverage, Axis Capital, a group of companies with branch offices in Bermuda, Australia, Canada, Europe, Latin America, Singapore and the United States and has been also servicing SE countries such as KL Malaysia, Bangkok Thailand, Jakarta Indonesia and many more, Imagine being a person with not just one but then two health plans, may sometimes sound like a fraud. This double coverage can take place in many ways: * An adult child may be covered under a parent's plan, which must be permissible until age 26, and likewise has a job with workplace advantages.  * An employee may take his or her company's health plan and likewise be enrolled under a spouse's plan at the spouse's workplace. * Simply, a scam! Possessing two health plans doesn't mean you get reimbursed twofold instead of one. Warning! There are a few disadvantages to what, on the surface, appears like health insurance heaven: * Double coverage frequently means you're paying for redundant coverage. * You need to make your claim with your "primary" plan first. The additional plan can pick up the tab for whatsoever not covered, but it won't pay something heading the primary plan's deductible.  * If both plans have deductibles, you'll have to fee both before coverage kicks in. 

Jakarta, Indonesia - Choosing the right insurance coverage isn't easy. If you are under-insured, you could be left with unpaid claims. Sometimes, it doesn't make sense to insure the contents of your home for much less than they are worth, you could be paying for more coverage types than you need. The key is in knowing what's covered and what's not. Account for any recent remodels and look to see if your current coverage keeps pace with inflation.Axis Capital, a group of insurers and reinsurers with the main location in Bermuda and with international branch in UK, US, Singapore and Australia has listed some steps for you to know if you are under or over insured. What you need is coverage that's just right. Here's how to get it, and it shouldn't take more than 4 or 5 hours of your time spent reviewing your homeowner's insurance policy, talking to your agent, and doing a little research. Step 1 Pull out your policy before the annual renewal date. Check for coverage limits, exclusions and restrictions. Always remember that all homeowners insurance isn't created equal. That's why it pays to review your coverage every year to ensure your policy meets your evolving needs. Begin by understanding the types of coverage available. Step 2 Estimate the value of your home's contents. Unless you do a complete inventory of your household furnishings and personal possessions, the things you own could be worth a lot more than you think. Replacement cost coverage is more expensive but usually insures your personal property for what it costs to buy new. Step 3 If you have recently remodeled your house, you should increase your coverage. It is a general rule of thumb to increase coverage once you have completely remodeled project that cost more than at least 5% of