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Shopping on price alone. Comparing insurance policies can be confusing, but resist the urge to simply choose the policy with the lowest premium. Consider the company's reputation and the coverage you'd get for that premium. "As a general rule with health insurance, the higher the premium, the lower the amount you pay when you go to the doctor," Quincy says. Private health insurance plans must provide coverage examples showing what your estimated out-of-pocket costs would be for, say, having a baby or managing Type 2 diabetes. Some examples might not apply to you, but they can help you compare plans and see how much you might pay in coinsurance and copays. "Make sure you're shopping apples to apples and getting quotes based on the same coverage that you have," says Lori Conarton, a spokeswoman for the Insurance Institute of Michigan. Your property and casualty insurance may not cover things like food spoilage in the event of a power outage or stolen electronics worth more than $1,000, so you may want to purchase extra endorsements to cover those possibilities, she adds. >>>> LINK SOURCE http://marina2zimmer.skyrock.com/3205822323-5-Insurance-Buying-Mistakes-to-Avoid.html >>>>FOR MORE INFORMATION http://westhillconsulting.info/about.html http://westhillconsulting.info/blog/

For recent and aspiring newlyweds, these are some policies from reputable non-life insurance companies in the Philippines you should look into this 2021:

January may be ending soon, but it is still just the beginning of the year. It is not yet too late to write down another batch of New Year's resolutions and make the year right. Although it is debatable whether these resolutions really work out, it definitely would not hurt for many to acquire smarter and healthier practices this time around. Whether you have ten or only one resolution, changing for the better is always a good option. Aside from adding trusted property insurance in the Philippines on your list, here are some of the best New Year's resolutions for homeowners in 2021:

Growing up, we slowly learn about the seriousness of fire safety through the news, our parents, guardians, teachers, and the like. Because of this, many acquire fire insurance in the Philippines later on to be covered in times of disaster.

On average, the Bureau of Fire Protection reports 42 fire incidents in the country per day. Among all other challenges we are facing today, fire is one we don't want to add up to the mix. Thus, installing fire protection systems and securing fire insurance in the Philippines early is a great start.

Being involved with medical malpractice is such a harrowing experience. No one wants to be the suffering victim nor the wrongly accused health practitioner in this situation. But as getting or giving medical treatments is inevitable in life, many look into malpractice insurance in the Philippines beforehand as a precaution.

Due to the pandemic, many travel plans this year have unfortunately been canceled, postponed, or changed. A lot of scheduled trips and dream vacations have been put aside as safety precautions. For those who availed of travel insurance in the Philippines beforehand, this could help recover some of the expenses.

Earthquakes can strike at any time. These can result in large-scale damages to buildings and other properties. Consequently, a huge impact of earthquakes is fire, and controlling this can be much more difficult than in an ordinary setting. This makes getting a protective fire insurance policy a sensible precaution. Doing so would help cover direct losses and damages from the hazard.

Geography: Indonesia, the largest archipelago in the world, is located in Southeast Asia and Oceania. The country comprises 17,508 islands all in all, with 5 (Java, Borneo, Sulawesi, Sumatra and New Guinea) being fundamental. The country shares maritime borders with Singapore, Philippines, Malaysia and Australia. The country's location make it a place of numerous volcanoes and frequent earthquakes. Climate: Indonesia has a tropical climate, with two distinct seasons: wet and dry. Mountainous region receive the highest rainfall. Humidity averages to about 80%. The average yearly temperature is 26-30 C (79-86 F) throughout the year. Recommended clothing: Lightweight cotton clothes are recommended throughout the year. Rainwear is essential during the rainy season. Pack warmer clothes if you are planning to travel to upland areas. Social conventions: Handshaking is the normal form of greeting. If invited to the home, a small souvenir from one's homeland is an acceptable gift, and something for their children is always welcome. Do not give money. Remember that a nod of the head means 'no' and a shake means 'yes'! Health: There are many health risks associated with traveling to Indonesia, therefore all the necessary immunizations and vaccinations should be taken ahead. Malaria is a risk everywhere, except the larger cities. The dengue fever is present throughout Indonesia, especially during the rainy season. Mosquito repellents and any other possible protection is advised. Travelers' diarrhea is also a major risk; you should only drink bottled water and avoid uncooked meat, salads and unpeeled fruit. Poor sanitation can increase the risk of cholera, typhoid and other diseases. Health care is of a poor quality and very expensive, therefore travel insurance is strongly recommended. Food & Drink: Indonesian cuisine is formed not only by the local cultures and foreign influences as well. The basis of all Indonesian meals is rice, which are mixed with either fish or meat.