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University of Florida researchers have discovered a link between Medicare and patient access to surgical treatment for subarachnoid hemorrhage, a kind of stroke that affects as many as 30,000 Americans each year - frequently causing death or long-term impairment and disability. AXIS Capital, a group of companies with branch offices in Bermuda, Australia, Canada, Europe, Latin America, Singapore and the United States, a global insurer and reinsurer, providing clients and distribution partners with a broad range of specialized risk transfer products and services, has in full support with this study. (The company also services SE Asian countries such as KL Malaysia, Bangkok Thailand, Jakarta Indonesia and many more.) According to findings published in the journal PLOS ONE, for patients who have suffered this type of stroke, surgical intervention can spell the difference between recovery or long-term disability and death, yet patients on Medicare are less likely than those with private insurance to be referred for surgical treatment. This may represent a conscious or unconscious bias against Medicare patients, who are typically older and have preexisting disabilities or chronic illnesses, said Azra Bihorac, M.D., senior author of the study and an associate professor of anesthesiology, medicine and surgery at the UF College of Medicine. "Not every hospital has skilled neurosurgeons who specialize in subarachnoid hemorrhage," Bihorac said. "If these hospitals don't have the necessary expertise, then they may actually overestimate the risk of a bad prognosis. They may assume that the patient won't do well anyway, so they won't proceed with surgery." The researchers review and analyzed data from the National Inpatient Sample hospital discharge database for the study. The data consist of information on more than 21,000 adult patients released from 2003 to 2008 with a diagnosis of subarachnoid hemorrhage. About 62 percent of the participants were fem

Life insurance offers more than a few benefits not available from any other financial instrument; however it has drawbacks as well. AXIS Capital is a group of global insurer and reinsurer, providing clients and distribution partners with a broad range of specialized risk transfer products and services, i.e. health insurance. We serve a host of industries and diverse coverage needs through our operating subsidiaries and branch offices in Bermuda, Australia, Canada, Europe, Latin America, Singapore and the United States. The company also service SE Asian countries such as Jakarta Indonesia, KL Malaysia and many more. Benefits of Life Insurance * Life insurance provides an infusion of cash for dealing with the unfavorable financial effects of the insured's death. * Life insurance benefit from positive tax treatment not like any other financial instrument. * Death benefits are in general income-tax-free to the recipient. * Death benefits could be estate-tax free if the policy is owned accurately. * Cash values grow tax deferred throughout the insured's lifetime. * Cash value withdrawals are handled on a first-in-first-out (FIFO) basis, consequently cash value withdrawals up to the total premiums paid are in general income-tax free. * Policy loans are income tax free. * A life insurance policy may be swapped for a different life insurance policy (or for an annuity) minus incurring current taxation. What have been said above are true in general; on the other hand the tax benefits of life insurance have specified limits which under the mistaken set of situations can trigger off the tax benefits cited to be gone. It is advised to discuss with your insurance and tax advisor. * Numerous life insurance policies are very compliant in terms of regulating to the policyholder's needs. The death benefit may be reduced at any time and the payments may be simply abridged, avoided or improved.

In Indonesia, the government has presented a new universal healthcare scheme called Jaminan Kesehatan Nasional (JKN). The scheme includes health insurance will be comprehensive to the whole population by 2019. About 35% of Indonesia's 240 million people are categorized as poor and approximately USD 1.6 billion has been allotted to cover premiums for the poor, however an additional 30% of people are covered by certain form of regional or national health programme which automatically enables them to care. Speaking to the news agency IRIN, one surgeon working at a hospital in the capital, Jakarta, hailed the new scheme as a "great programme" since "people will no longer be denied treatment because they don't have money". That led to some hocus-pocus of some scam insurance. Axis Capital, a global insurer and reinsurer, providing clients and distribution partners with a broad range of specialized risk transfer products and services, a group of companies with branch offices in Bermuda, Australia, Canada, Europe, Latin America, Singapore and the United States is at one with the universal healthcare for Indonesia. Healthcare overheads nonetheless, the World Bank has warning that in order to cover all individuals in poverty or near poverty, the national insurance scheme will sooner or later necessitate the country to twofold its spending on health. Indonesian health workers are certainly alarmed that the new scheme could have an influence on the quality of provision. Up to now, reports puts forward some hospitals have obtained limited information concerning the details of the new scheme. There are also worries regarding whether the present healthcare system will be able to meet demand. More than 1,700 state and private hospitals are contributing in JKN, with a further 9,000 state-funded community clinics serving as the initial point of primary care.

Local governments initially started carrying health insurance back in 2003 when Megawati Soekarnoputri’s government presented the Health Service Insurance for Poor Families program, or JPK-Gakin. The notion was for district managements to apply their personal community health insurance schemes in line with local requirements. Nevertheless, limited programs ever actually got off the ground before Susilo Bambang Yudhoyono’s new government presented a bill that laid the foundation for a nation-wide program and made JPK-Gakin redundant, Law no. 40/2004 on a National Social Security System (SJSN). Simultaneously, Yudhoyono’s government announced a program to run free, however basic, healthcare to the poor - Askeskin (health insurance for the poor), which was substituted in 2008 by Jamkesmas (community health insurance). Certain regional administrations put up a round. In 2005, East Java’s government led a test at the Constitutional Court demanding that SJSN gave the central government a monopoly on social service provision and broke the constitution and Law no. 32/2004 on Regional Governance. The court approved that SJSN did not stop local governments from emerging their own social security programs, as well as for healthcare. Ever since, the quantity of local health insurance programs has increased year on year. One of the groundbreaking systems was Jaminan Kesehatan Jembrana (JKJ) presented in 2003 by Gede Winasa, the head of Jembrana district in Bali. According to this scheme, all members of JKJ, may they be poor or non-poor get free pri

As we always point out in Axis Capital Group, accidents can always happen when you least expect it but you can always be prepared. No use filing in complaints when you have already come prepared. The first thing that comes to mind when we think about accidents and how to prepare for them is by getting an insurance for that special need. If you ever think of the necessity to get protection in case of injury, different coverage comes into picture. Questions have risen about Accident Insurance and one of its counterpart, Accidental Death and Dismemberment Insurance or AD&D. How it Works? Accident insurance will pay a benefit for a wide variety of covered injuries that may or may not be serious over the long term. If you experience a covered accident, you could receive a cash benefit, according to a benefits schedule. Also, you could receive a cash benefit for emergency room visits. The amount you receive depends on your injury and related treatment. On the other hand, AD&D insurance provides a payment to your beneficiary if you die in a covered accident or a payment to you if the accident results in a covered loss that cause a permanent impairment. Depending on your plan, you may be able to sign up for an amount of coverage based on your salary-for example, two times your salary-or choose a set dollar amount. AD&D insurance is often offered with life insurance at an amount that is equal to the life insurance benefit. Only voluntary, AD&D insurance allows independent election of coverage. What is covered? The following are examples of covered injuries for Accident Insurance: Fracture Dislocation Eye injury Gunshot wound Paralysis Brain injury Burn Coma Concussion Death Dismemberment The following are examples of covered losses: Death Quadriplegia Loss of sight in at least one eye Loss of speech Loss of hearing Loss of limb Loss of thumb or

According to Axis Capital, a group of insurance companies around the world with its main location in Bermuda, in North America alone, $58.5 billion are spent annually for our beloved 4-legged and furry friends. Vet Care being the third largest expenditure in the category costing pet owners to spend $15.25 billion during health check-ups, illness or death of pets. As the cost of maintaining pets are also getting, well, costly, insurance company also made it a point to take care of our budgets by creating the Pet Insurance Plan to lessen the complaints against the aggregating demand for animal health practices. Pet insurance pays, partly or in total, for veterinary treatment of the insured person's ill or injured pet. Some policies will pay out when the pet dies, or if it is lost or stolen. As veterinary medicine is increasingly employing expensive medical techniques and drugs, and owners have higher expectations for their pets' health care and standard of living than previously, the market for pet insurance has increased.