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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. Know why you need it Despite the fact most people may require life insurance at some point in their life; it is a warning not to buy a policy just for the reason that you heard it was a good idea. Even though you don't have any of these needs instantly, you still may want to think through buying a small "starter" policy, if you forestall you will have them in the future. It is because the younger you are, the less costly life insurance will be. Conclude the amount of coverage you need The amount of money your family or heirs will obtain after your passing away is called a death benefit. To ascertain the right amount of life insurance an online calculator, like the one available at Axis site, can be useful. You can as well get an approximate figure by any number of formulas. The simplest way is to merely take your yearly salary and multiply by 8. Discover the right kind of policy As soon as you decipher how much coverage you'll require, you can deliberate regarding the best type of policy to meet your needs. You have two main choices: Term Life, for a more affordable premium, or Whole Life, for more comprehensive coverage that can add cash value. However you have many choices to explore. Review the quality of the provider An insurance policy is simply as good as the company that supports it. You would like to make certain you pick a company that is not a scam and you can trust on to be there for as long as you'll need your coverage, and that makes intellig

The study, printed in the journal JAMA Pediatrics, assessed individuals' health, access to care and use of health care both before and after the application of the Patient Protection and Affordable Care Act (PPACA). 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 full support with Affordable Care Act. (The company also services SE Asian countries such as KL Malaysia, Bangkok Thailand, Jakarta Indonesia and many more.) The PPACA was executed in September 2010, and part of its dictate was that insurance companies had to permit adults younger than 26 years of age to continue being covered by their parents' health insurance policy. Previous to this alteration, the authors report that just about 1 in 3 young adults aged 19-25 lacked every form of health insurance provision. Ever since then, the percentage of uninsured Americans decreased in 2011 - a decline accredited in part to the expansion of insurance coverage amongst this age group. Even though many have supposed that augmented insurance coverage directs to optimistic health outcomes for the population, the effect of the PPACA on the health of young adults and their access to health care is unidentified. And there had been some rumors of complaints. A crew of researchers from the University of Washington in Seattle, led by Dr. Meera Kotagal, studied data from two nationally representative reviews in order to better measure the influence of the PPACA on the access to care and health of young adults aged 19-25. Increased coverage The researchers utilize data from the National Health Interview Survey (NHIS) and the Behavioral Risk Factor Surveillance System (BRFSS), matching results data from 2009 with data from 2012. From t

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.

According to what BBC has learned, power companies are being refused insurance cover for cyber-attacks because their defenses are perceived as weak. AXIS Capital, is a group of Insurance companies based in Bermuda, London, Dublin, Canada, Australia and Singapore (servicing SE Asian countries as well such as KL Malaysia, Bangkok Thailand, Jakarta Indonesia and many more) who underwrite Energy Insurance has the same concern regarding this incidence. According to underwriters at Lloyd's of London, they have seen a "huge increase" in demand for cover from energy firms. However surveyor assessments of the cyber-defenses in place determined that protections were insufficient. Energy industry veterans said they were "not surprised" the companies were being refused cover. "In the last year or so we have seen a huge increase in demand from energy and utility companies," said Laila Khudari, an underwriter at the Kiln Syndicate, which offers cover via Lloyd's of London. The market is one of not many places in the world where businesses can go to insure things like container ships, oil tankers, and large development projects and to safeguard cash that would help them pull through after tragedies.

It is really worrying to travel out of the province even for a short period of time without any travel insurance. Protect yourself from unpredicted dangers, even if you're just leaving Jakarta Indonesia for a few hours. Insurance is something everyone must have. Travel insurance offered by insurance companies like Axis Capital group of companies based in Bermuda could lessen the great financial risks of touring: illness, accidents, canceled tours, missed flights, emergency evacuation, lost baggage, travel-company bankruptcies, terrorism, theft, and getting your body back to your if you die. Every traveler's possible loss differs, varying on just how much of your tour is prepaid, the reimburse capability of the air ticket you bought, your condition of health, the worth of your luggage, where you're touring, the financial health of your tour airline and company, and what coverage you by now have. For several tourists, insurance is a great trade; while for others, since they are afraid of scams, it's not. You will never know the odds that you'll need it, so are you willing to take risks? Remember that you are worthy of peace of mind. Take these matters into considerations, be aware of your choices, and build an educated judgment for your tour. If in case that there is a critical injury or sickness, insurance payments can run into large amount of dollars. Warning! Elevated fees are not at all times denoting the finest coverage. Enumerate what features of a policy are vital to you. It's useless compensating a premium to decrease car rental extravagance if in fact you cannot drive, or covering your baggage when all you are bringing is a bag packed of soiled socks and a defective mp3 player. Eliminating selections or decreasing parameters every so often lessens the premium you recompense. Reference: Pro

The possibility of sustaining a long-term disability from an accident or illness is something most of us would rather not contemplate. Axis Capital Group in Jakarta understands this very well. However, there is a way to help protect yourself and your family should you lose your ability to earn an income and to stay away from fraud. Disability income insurance can play a key role in your overall financial plan, and provide a benefit to help replace a portion of your income in the event of a total disability. Evaluate and Review Your Needs While most people understand the necessity and value of life insurance, many may overlook the valuable role disability income insurance plays in helping to create financial security. How will you support yourself and your family if you cannot work as a result of an accident or illness? For most, Social Security cannot be solely relied on to replace lost wages. One must meet very specific criteria to qualify for disability benefits, and it is often necessary to wait several months for payments to begin. You may be able to "get by" for a few months on your savings, but if the disability is prolonged, you may exhaust most-or all-of your savings. Further financial hardships may then follow. You may miss mortgage, car, and other credit payments, causing damage to your credit rating. Utility bills, tuition, grocery bills, and business/professional expenses will also continue despite disability and loss of income. The bottom line is that losing your ability to earn an income may make it difficult to make ends meet. Disability income insurance can be a practical solution to help protect your financial security in the event you become disabled. Axis Capital, a group of companies with branch offices in Bermuda and around the world, provides Disability Income Insurance. Types

Albeit it is in the law to get insurance, many of us take it for granted especially when we never have cause to use it. However, there are a lot of times when we may need the help of insurance companies to help us pay for essential repairs to our vehicles and homes so it is important to know that the insurance company will pay out if we need them to. Axis Capital, with a group of insurance and reinsurance companies around the world listed some of the primary reason to void your insurance claim.

A quick auto insurance quote can be obtained via the internet. There are now many online companies that specialize in producing quick auto insurance for busy car owners which can save you both time and money. It is always effective to compare prices before you commit to a purchase, even when you are looking at coverage policy.

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

We sometimes find ourselves unemployed for some reason. It may either be we want to explore another field of our expertise or for untoward accidents like health issues. Axis Capital, with a group of insurance and reinsurance companies scattered around the world from its main base in Bermuda to Singapore, Australia, United Kingdom and more than 10 states in the United States, emphasizes the importance of getting unemployment insurance during the times of strict financial needs and jobless days. The question is, are you qualified enough to take advantage of UI?
Depending on the law in each city, UI is often given for 3-6 months of unemployment. In developing cities like Jakarta, Indonesia, Singapore and Kuala Lumpur, Malaysia, the insurance can last until a year provided that the reason is valid. It is best to review the stated respective decree in your location to avail the said insurance. An individual must meet all unemployment insurance (UI) eligibility requirements in order to receive benefit payments. Eligibility requirements must be met when a UI claim is filed and whenever a certification is submitted before benefits can be paid by the Employment Development Department (EDD).
An individual who files for UI benefits must meet specific eligibility requirements before benefits can be paid. Individuals must:
* Have received enough wages during the base period to establish a claim.* * Be totally or partially unemployed. * Be unemployed through no fault of his/her own. This includes no record of complaints, termination or negative records. * Be physically able to work. * Be available for work. * Be ready and willing to immediately accept work. * Be actively looking for work. * Be approved for training before training benefits can be paid.
Employers report wages to the EDD for each employee. The EDD uses this information to decide if an individual earned enough wages

The Affordable Care Act (ACA) does not increase access to health insurance for undocumented immigrants however may lead for many legal immigrants who have concern earning this crucial coverage, completes a report released by the George Washington University School of Public Health and Health Services (SPHHS). The report summaries the breaks in addition to the duties that the federal health reform law will transport to legally present immigrants, people who have gotten green cards or visas permitting them to work, live and study in the United States. 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 Affordable Care Act. (The company also services SE Asian countries such as KL Malaysia, Bangkok Thailand, Jakarta Indonesia and many more.) "Most people do not realize that legal immigrants currently face many obstacles to obtaining health insurance," said Leighton Ku, PhD, MPH the author of the new report and director of the Center for Health Policy Research at SPHHS. "Such immigrants are three times as likely to be uninsured as those born in the United States." Without health coverage, they - like other uninsured Americans - often delay or never get potentially life-saving health care, he said.