Axis Capital Group Insurance

One type of insurance fraud aims at unwary policyholders in Jakarta, Indonesia. A lot of people are swindled when they purchase valueless insurance policies. When tragedy happens, and policyholders ask for reimbursement for compensation, they discover they have no coverage. Fraudsters can take advantage of their victims' be deficient of English, deep-seated practices and cultural traits. New immigrants from Asian countries don't understand that dishonest persons deliberately start to puzzle individuals who are not fluent in English well. Insurance contracts are complex. They are generally printed in English. Newcomers almost certainly have small or no familiarity of insurance regulations and laws. Scam artists favor to victim on primitive consumers. It's usual for newcomers to feel more at ease around individuals of the similar background, and to have faith to individuals who converse in the same language. Pretty much everybody have a preference to do business with somebody who has been recommended to them by a relative or friend. However regardless of who recommended you to an insurance company or agent, it's significant that you research about them. When do this, you can bound the chances of becoming a prey of insurance fraud. Insurance is very complex. There are many differences on every type of insurance. Agents are licensed to sell definite kind of insurance, therefore make certain the agent has a license for the type of insurance you require. Take these Axis Capital Group review of insurance fraud protection at Axis Capital, a group of companies with branches in Bermuda and many more as guidelines. Shop around. It will make you comprehend the various kinds of insurance. Compare the descriptions of insurance and kind of policies presented by a few

The effect of insurance fraud generally for every insurance carrier and their clients is considerable. The Coalition Against Insurance Fraud approximation that insurance fraud costs Americans $80 billion yearly. Although we understand that a small number of claims are fraudulent, we should take our obligation critically through protecting against the augmented expenses of fake claims and other insurance dealings. We all must be keen to the anti-fraud endeavor via fraud detection and investigation. Trough cooperation with local law enforcement authorities, we can all fight against fraud. Everyone could take part in a significant role in that effort. Be conscious that somebody or a group of people are spreading fraudulent association holding counterfeit checks looking like real. Read on Malaysia/Hong Kong/Jakarta insurance fraud protection for more tips on Axis Capital, a group of companies with branches in Bermuda and many more. The counterfeit checks might go with a letter that the beneficiary has won a sweepstakes, lottery, or something similar. In some circumstances, beneficiaries are given a check in association with a fake job offer. How the Scam Works The letter comes with the check in lottery-type scams informs the recipient that he has won a huge quantity of money and to phone an individual listed in the letter. That individual will command the recipient to cash the check together with the letter then furthermore wire a tax payment abroad to issue the prize payment. This will never be delivered and the recipient will finally have to pay back their bank the whole sum of the check cashed. The money wired is usually not refundable. The job offer, In the job offer scheme, is fake and the victim gets a bogus check that they are ordered to cash and then wire some cash. Yet again, the wire

When somebody gives fake info to an insurance company just so it can take advantage of anything of worth that the offender would not have collected if the reality had been stated‚ they've performed insurance fraud. Even though you under no circumstances will catch yourself involved in of one of its immoral scams, on the other hand auto insurance fraud affects you. Industry professionals articulate it decelerates genuine insurance claims, upturns premiums and, in some circumstances, places unknowing victims at risk. Just about every person knows and heard about insurance fraud. Jakarta insurance fraud protection group is fully aware of this problem. Every one of us have learnt the reports of people who collected large amount of money following a car accident or the merciless insurance firm declining to disburse to a widow due to a technicality. Dating back to 300 B.C., insurance fraud is one of the aged kinds of fraud ever documented. The story goes like, when a Greek trader sunk his own ship, in an effort to redeem on the insurance, and died in the attempt due to drowning. Insurance fraud have an effect on you, either it be you are a policyholder or a shareholder in an insurance company. The matter of insurance is extensive and swindle happens in every single part. Insurance fraud takes two to tango; it comes in two chief categories: one is the seller fraud and the other one is the buyer fraud. Seller fraud happens when the seller of a policy takeover the normal procedure, in a method that make the most of his return. Buyer fraud follows when the buyer turns the manner to get more coverage, or obtain more money, compare to what he is lawfully allowed to. Don't allow a tall tale ruin your life or that of somebody you are acquainted of. Understand more regarding insurance fraud. Be familiar wi

Insurance fraud costs billions of dollars every year. Insurance fraud includes a number of illegal activities involving the sale of insurance, and often involves criminal schemes. One kind of insurance fraud targets unsuspecting policyholders in Jakarta, Indonesia. Many individuals are deceived when they buy worthless insurance policies. When disaster strikes and policyholders seek reimbursement for damages, they find they have no coverage. Con artists can take advantage of their victims' lack of English, cultural traits and deep-seated habits. Recent immigrants from Asian countries do not realize that unscrupulous individuals purposely set out to confuse people who don't speak English well. Insurance contracts are complicated. They are usually written in English. Newcomers probably have little or no knowledge of insurance laws and regulations. Scam artists prefer to prey on unsophisticated consumers. It's natural for newcomers to feel more comfortable around people of the same background, and to trust people who speak the same language. Almost everyone prefers to do business with someone who has been referred to them by a relative, friend or co-worker. But no matter who referred you to an insurance agent or company, it's important that you check them out. If you take a few steps outlined here, you can limit the odds of becoming a victim of insurance fraud. It's up to you to protect yourself! Insurance is very complicated. You may have need of life insurance, health insurance, homeowner's insurance and auto insurance. There are many variations on all of these types of insurance. Agents are licensed to sell specific types of insurance, so make sure the agent has a license for the kind of insurance you need. Take these Axis Capital Group review of insurance fraud protection at Axis Capital, a group o

Life insurance is a vital financial must have that is right for practically every person. There are countless situations that ensuring life insurance is advantageous. If you are thinking of purchasing a life insurance, consider Axis Capital, a group of companies in Bermuda and has many more offices worldwide. Term life insurance is a certain kind of life insurance, which protects you for a definite time frame, or term. The timespan you decide on besides the total coverage is entirely in your hands. Your family would collect financial benefit amounting to what you stated when you began the policy if that you die during the period of the term. Life insurance coverage is usually consumed as an income substitute to settle debts as well as to cover your family's living expenses. Many in Jakarta, Indonesia have weighty financial debts. Your family is liable to pay off your debt on the condition that you die with obligations. This additional financial liability could be crippling for your grief-stricken family when you leave them with large debts. Term life insurance is intended to cover these balances, covering your family from possible financial problem if you were to pass away. A lot of times huge medical charges lie ahead for a grieving family when a loved one dies from accident or illness. Even your funeral would furthermore cause a big financial problem for your family, and will leave everyone with many complaints. You would be able to guarantee your term life insurance covers these expenditures thus making your family worry free and can be able to grieve and recover emotionally. Life insurance would make certain your family and loved ones are well taken care of if there is something unfortunate happen to you. This may be used to fund for a future college fee or cover present everyday living expenses if you have children and if you have another half who has no job or who depend on dual-income to finance your family, this coverage c

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

Because of its commonness in all kinds of businesses, insurance fraud is often hard to avoid exclusive of security measures like security personnel and cameras. Mainly in businesses that have client that go inside their premises, these types of businesses must be watchful against insurance fraud. This could be as difficult as spotting property insurance claims, to know more about this topic, read on Axis Capital, a group of companies based in Bermuda and offices worldwide. An example subject is property insurance fraud review which you can learn personal experiences of victims from Jakarta Indonesia and worldwide. Slip and fall claims, this is one of the hardest fraudulent insurance scams for a business to contest in court. Security cameras are an effective technique for invalidating a fraudulent slip and fall claim counter to a company. Though there are many who think security cameras a costly investment, the forthright price may frequently be balance through the money saved when in disagreement contrary to a fraudulent insurance claim. Security personnel are one more technique companies could use to make an effort to decrease the number and seriousness of fraudulent insurance claims. Alert, skilled security personnel are an effective approach to watch on customers and assist prevents any illegal doings at business sites. Business owners who have clients, or the ordinary people, going in and out of their locations everyday have to capitalize in some type of visual security. This may rule over the "he said, she said" aspect prevented in an insurance claim in court. Witnesses, including video, would significantly decrease the quantity of insurance fraud a company has to take care of. One more technique that may be used by companies to spot fraudulent insurance claims is to trace all kinds of claims touching their insurance. Study into documented fraudulent claims may help business owners in detecting kinds of claims which are more lik

Buyer fraud has a lot of various faces, nevertheless, their common ground is dishonestly. Staging an accident is a type of fraud for example, when travelling in Jakarta, Indonesia and you made up a fake accident claim an insurance is a scam. Fabricating medical history is one of the most usual type of insurance fraud next is the above example. By excluding information like a smoking addiction or a pre-existing illness, the buyer wishes to contract the insurance policy for cut-rate compare to he would have otherwise pay. Postdated life insurance means a policy that has been settled once the passing away of the individual being insured, however, looks to have been issued prior to death. This kind of deceit is generally completed with the assistance of an insurance representative. It is moreover one of the effortless kind of con for insurance companies to spot, as record keeping has come to be more strict. Insuring individuals you shouldn't be covering, in anticipations that they will pass away, creates deceit. Insurance is created with the notion of protecting individuals from financial loss, therefore manipulating it to bet on lives for a financial profit is a corruption of the system. This consists of viatical settlements, which unite non-insurable interest with fabricated policies from the terminally ill. For more, check out Axis Capital Group property insurance scam reviews at Axis Capit

Traveling abroad together with your family or friends, it is at all times an enjoyable experience which all of us is looking forward to. Traveling is pleasurable, and it should be so to prepare your tour out of the country more unforgettable and protected, you must avail the cover provided by an insurance company such as Axis Capital Group of Companies based in Bermuda. Travel insurance protects the covered against loss of luggage, theft, health complications, postponements, accidents and many more. This is critical judging the truth that during a foreign tour you will be unknowledgeable with the scenery, dialect and how-to-go-about info; consequently you would necessitate assistance. They carry out international travel mainly for two motives which is recreation and business. Traveling in a foreign country is thrilling and filled of amusement and the memories of which is deep-seated in our thoughts for a lifetime. They often let us loose to appreciate the fresh sites and experience a pristine world. Consequently, they need to take safety measures so to complete our tour without any interruptions. International travel insurance is a practical technique to guarantee that your journey is a success and free from scams. It is extremely wise to cover your international travel in Jakarta Indonesia for instance before you initiate your tour since you could be arriving in to new place and where the linguistic articulated by the residents will often than not be the similar to yours. Acquiring international travel insurance earlier will cover your whole tour and so offer protection to you and your family at each serious crisis. International travel insurance rescues you in an unfamiliar country. This somewhat totals every probable scenario in which you would necessitate help of all types - procedural and monetary assistance. Purchasing international travel insurance offers peace of mind since you can be guaranteed of assistance in th

The minute people in Jakarta Indonesia discuss regarding life insurance, they in general converse concerning insuring only adults, or individuals with substantial possessions. Nevertheless, most of us do not think acquiring insurance coverage for our children. A lot articulate that it is the parents who must be accountable for securing their children's future; therefore a split cover won't be vital. However the fact is that insurance can do more than aid securing your loved ones' future when you get ill or pass away. You can as well utilize it to aid secure your children's future must something occur to them. The excellent thing regarding getting Child Cover is that it may be supplemented to your policy at no additional charge. Consequently if your insurer of choice bids that for free, you must instantly take the chance. But if they don't, you must think through of getting it anyhow. Axis Capital, a group of companies based in Bermuda: Points you must know regarding Child Cover: The cash from the insurance has a lot of uses. As stated previously that many parents just consider getting insurance as money their loved ones can help for their everyday expenses. But warning, it goes outside that as well. For instance, the lump sum payment from the insurance is able to assist paying for your child's medical expenditures should he or she experience from a critical disease or grievance. In addition, the cash can be consumed for other future expenditures, like for the child's reintegration and alterations to your home if your child undergoes from impairment. Child Cover aids guard your savings. By way of with other kinds of life insurance, the Child Cover is able to aid save your savings protected in occasion of an emergency. Consequently if your child demands to be hospitalized for a lengthy episode, your insurance policy may possibly take care of the expenditures, and you wouldn't require to incline into your savings. And this could avoid many fur

Insurance fraud charges large amount of money yearly, Axis Capital, a group of companies in Bermuda and other offices around the world knows this very well. Insurance sham adds in many unlawful actions including the sale of insurance, and frequently consists of criminal offenses. One type of insurance fraud aims at unwary policyholders. A lot of individuals in Jakarta Indonesia are deceived when they buy worthless insurance policies. Once tragedy strikes then policyholders request reimbursement for compensations, they discover they definitely do not own coverage. Insurance fraud happens in business worldwide and costs businesses, and persons who give payment to insurance premiums, large amount of money every year. There is no specific business that solely comes across insurance fraud, criminal doings can be recognized in almost whatever part of business where liability insurance is supported and meant to care for the consumers. The intention is frequently distinguished for somebody to perform insurance fraud is to profit from particular performance that may be accused on the insuring business. Some characteristics of insurance fraud executed for financial profit is for an insured individual or business to increase the worth of the property that is being covered. As soon as the property is ruined and the covered need to be reimbursed by the insurance company, the covered endures to accept a greater monetary sum instead of the wrecked property was in fact cost. Business owners considering gaining liability or property insurance must be cautious of insurance companies who bid insurance for above the worth of the property to be covered. Frequently insurance companies will furthermore profit from over-insuring property over higher indicted premiums. It doesn't matter what kind of insurance fraud claim was committed by crooks, businesses frequently turn out disbursing large amount of money over their insurance.

Health insurance is a method of insurance that compensates for medical expenses. Saying that you have a health insurance, you must pay a certain sum of premium each year to an insurance company like Axis Capital, a group of companies in Bermuda and other offices around the world, and then if you unfortunately had an accident or if you must go through a surgery or an operation, the insurance company will pay for your medical expenses. Through the health insurance financing a world of benefits to people, fraudulent claims increase. Frauds can be executed by anyone, meaning by a health insurance company, a policyholder or even its employees and is chronic in Jakarta Indonesia. Frauds carried out by a policyholder possibly will be made up of associates that are not qualified, suppression of age, cover-up of pre-existing illnesses, failure to state any important data, giving made-up info re self or whoever other relative, insolvency in settling previously cleared or declined claims, deceits in physician's medicaments, fabricated documents, untrue bills, overstated claims, etc. Schemes by health insurance companies or by its personnel consist of planning of false claims through a phony physicians, charging for products or services not provided, overstated claims compliance, billing made for advanced level of provisions, changes or revisions completed in submission of health insurance claims, alteration of patient's diagnosis, counterfeit documentation, and con performed by the workers of a hospital or some other healthcare product or service contributor so it can create a fast cash. Deceitful health insurance claims are a foremost moral risk not just for the health insurance business nevertheless even for the whole country's economy. Actual evidence as proof consisting of documentation, testimonials rendered by the policyholder and his relatives and also neighbors are considered. http://carterhanco

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

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. 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. We present you these tips to improve scores on a life insurance paramedical exam. Don't smoke "Somebody who has smoked their entire life for 50 years and then stops smoking for three months - they're considered a non-smoker," Dziuba says. Dziuba isn't telling that smokers lie on their applications and stop smoking a few months prior the test. Carriers take into account a history of smoking when the person is examined, but the lab results only test for nicotine currently in the system, he says. Fast Warning, don't eat overnight or at least two hours prior the exam. A last meal the preceding night must be healthy and well balanced. The applicant might likewise be informed not to drink anything up to four hours before the exam, although a little amount of water may be permitted. Dziuba instructs clients to plan exams for a weekday and not a Monday - a weekend of spoiling in fatty foods and alcohol can increase cholesterol levels on a Monday. Lose weight You must not attempt to lose weight hasty. That will typically get rid of water weight. However losing one to two pounds per week over a few months, or optimistically over a year, can relieve an applicant fall from being a standard risk to getting a favored rate - a 15% to 20% difference in premiums. Don't drink alcohol Keep away from alcohol for at least 12 and if possible 48 hours prior to the exam, since it can raise blood pressure and unfavorably disturb elements of the blood work. High blood pressure can be the alteration

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.

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.

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 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. 

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

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 provides you these tips in maintaining an energy efficient home. Heating your home * Save the heat in! Enhance your home's insulation and make it more sealed while making sure there is right ventilation. Caulking and weather stripping are cheap methods to decrease air escape from you home. * Open the drapes or blinds and allow the sun in throughout the day to help warm the home and close them when the sun sets. * Consistent maintenance of your heating system is essential for both effectiveness and security. Ensure it is done annually. * Tidy or change your heater filter no less than every three months for the duration of the heating season. Improving air circulation * Ensure not anything is blocking your heating vents. * Use ceiling fans to help spread heat all over the house. One placed near a gas fireplace will make valued hot air down into the living area. * Maintain your basement fairly warm. The heat will escalate to the other floors of your home. * Close the chimney damper every time you're not using the fireplace. * Clean and vacuum dust or pet hair out of your warm air registers. The thermostat Setting up a programmable thermostat might save you money on your heating fee. Reducing the thermostat at bedtime and prior to leaving the house decreases your energy utilization without affecting your comfort. Fireplaces Old-style wood fireplaces pull significant heat out of the house, while gas fireplaces with sealed units make the most of heat use since firmly fitted glass doors and outdoor air intakes help increase fireplace efficiency. Air conditioners * Tidy your room air conditioner filter at least one time in a season. A dir

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.