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A Comprehensive Health Insurance for your Family

Article by Shah Ansari

Family Health Insurance

Family health insurance is an insurance policy that covers the entire family under a single policy. Like an individual plan, family health insurance plans provide the benefits of medical expenses, surgery, emergency treatment, dental and mental health care.

There have been huge developments in the field of medical sciences but emergencies never come with a warning. The rising cost of medications and hospitalization can drain a person’s finances. It thus becomes important to avail health insurance coverage that can serve as a shield against unavoidable circumstances. Adequate health insurance coverage can defend you and your family in times of unforeseen situations.

Key Benefits of Family Health Insurance

Family Floater Policy is a single-policy insurance that covers the entire family. It can be availed by anyone in the family, but the benefits extend to each member. Family health care insurance requires the family to pay single premium. The entire family is covered under a single premium, thereby ensuring good cash value for the customer.Family health insurance provides unique floater benefit. This means that each member in the family is covered upto the entire sum insured of the policy. For e.g., Mr. X, his wife and daughter are covered for Rs. 1 lac each, under a regular individual health policies paying three different premium (for each policy). During medical emergency, say, the surgery and hospitalization bill of his wife amounts to Rs. 1.5 lac, their regular health policy would cover only Rs 1 lacs while Mr. X would have to pay Rs. 50,000 from his pocket. However, in a family health insurance, the cover of Rs. 3 lacs would be shared among the entire family. Thus providing each member a cover of Rs. 3 lacs. Mr. X would thus have the entire Rs. 1.5 lacs medical expenses covered for his wife.With a family health insurance, the maintenance hurdle is largely reduced. If you go for regular health insurance for your family, you have to look after 3-4 policies. Whereas with family health care insurance, you maintain just one policy that takes care of the entire family. Family health insurance is unique in the sense that you pay for a single premium you get coverage for each of the family member. It is advisable to buy your Medical policy online. It is hassle-free since it does not require any paperwork. You provide the required details and get policy instantly. Unlike the traditional process, the entire process is transparent as you can assess the policy details and decide on your own. Besides, you can also get online quote from different providers. In a world of 24×7, do make use of this technology to secure yourself and loved ones.

http://www.icicilombard.com/app/ilom-en/insurancearticles/healthinsurance.aspx?rssID=56861

About the Author

Shah Ansari

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Affect Change With The Help Of Personal Development Programs

Article by Jim Biscardi

While personal development programs are often discussed, they are sadly misunderstood by most. Frequently they are considered to be a kind of course or retreat that focuses on the development of a personal trait of character to the exclusion of anything else. Conversely, others believe them to be great business tools that help anyone – from the entry level blue collar worker to the top executive of the company – to prepare themselves for climbing that next rung on the corporate ladder by teaching the latest business gimmicks and buzzwords. Neither is completely true while at the same time both contain valuable kernels of truth. Personal development coaching affects both a person’s private as well as business persona by focusing on a specific need the employee may have in a business area which is nonetheless rooted in the personal sphere.

The Challenge of Public Speaking

Most commonly associated with the realm of personal development is public speaking – the bane of most any business person’s existence. While on the college level this is sought to be conquered, the fact remains that during those years public speaking is accompanied with many nervous giggles and college levity that will be conspicuously absent in the business world. There is much about becoming an adequate and even good public speaker that cannot be taught in a class – there is the mindset, the projection of the voice that is borne from confidence, and of course the ability to reach an audience, any audience. Some aspects may be learned in the classroom, such as the organization of the speech, how to dress, how to stand, how to address a group of diverse individuals, and also the proper use of grammar and language. Personal development coaching picks up where the college level courses left off. In a personal development class that speaker to be will learn how to communicate with the audience rather than just talk at them. She or he understands the nuances of persuading addressees and some business people find that they actually begin to like this aspect of their jobs.

Dealing With Anxiety and Self Doubt

If public speaking is the bane, then anxiety is the feeling that fuels it. Anxiety is experienced in a wide array of different everyday life situations, such as meeting a date, going to a party and entering a room filled with people, boarding a bus where everyone is looking up, going on a job interview, applying for a loan, and of course pitching a new idea to the boss. Personal development coaching seeks to help individuals deal with their fears and worries and instead focus almost exclusively on the defeat of self-doubt borne from an ability to recall instantly one’s abilities, strengths, and likeable qualities while at the same time remembering that the person across the desk is just as human as oneself. While this may sound like common sense, it is a concept that is revealed, studied, and honed in on during a personal development class.

Becoming a Self Starter

Nothing impresses a boss more than an employee who shows initiative and is self motivated. As a matter of fact, a perusal of the want ads quite frequently brings up the term “self starter” which is a not so subtle hint that the employers are looking for something who will not wait around to be told what to do, when to dig deeper, how to go further, why to aim higher, but instead want someone who sees a problem and will work on the solution, finds a working process and seeks to improve on it, and notices a job that was left undone and will go ahead and finish it. This kind of attitude is what propels the entrepreneur and the go-getter on the fast track to promotion. Personal development coaching will help you transcend your wait and see attitude and instead enables you to attain a level of self motivation you might not have known was in you.

Sharpening Your Focusing Skills

If there is one thing the manager detests at a lengthy business meeting is watching an employee doodle and stares out the window. Equally, there are those who seem to be lost within minutes of a particularly boring speaker. On the other hand, much admired is the employee who can sit through even the lamest presentation and concisely grasp the fine points, focuses on the strengths, and hones in on the weaknesses. Personal development coaching offers many mnemonic devises as well as attitude primers that will help you to harness your wandering mind and sharpen your focusing skills. Increased concentration will make you a most valuable asset in your professional life and with personal development a goal easily attained!

About the Author

Jim Biscardi is owner of Dynamic Wealth Systems, LLC and writes on a variety of subjects. To learn more about this topic Jim recommends you visit: www.DynamicWealthSystems.com

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The Real Secret To Wealth & Happiness!

Article by Amit Desai

Happiness is what causes Wealth, Wealth does not cause Happiness!!! Most people believe that, when they will become rich, they will become happy. The reverse is the TRUTH. You become wealthy only when you are basically a happy & positive person in life. Not the other way round.

Life all about becoming wealthy being happy. My only intention is to help you make a lot of money being HAPPY. Otherwise, what’s the point of making money if you won’t be happy at the end of it all?

Fill your heart with bliss & go about doing your work to make your life a grand CELEBRATION. Make a lot of money being happy. That will be your real test of success & character.

Money has got nothing to do with your happy-ness. If you are thinking that, when you make an ‘X’ amount of money you will become happy; I promise you won’t. Human wants are unlimited & ever-changing. Even the world’s richest people have their own wants.

Wealth without happiness will make you feel completely empty from inside. So, start by being happy in the present with whatever you have in life & then go about building your grandest dreams from this state of emotion. Only then you will attain Real Success.

This entire experience of life is not about “the stuff”. It is about the expansion and the joy that you feel from the inside. We have heard it many times before that, “it’s not about the destination, but it is about the journey.” The same is true in manifesting the life that you want.

Life is about closing the gap between what you don’t want in your life, and what you do want. Closing that gap is as the French say, “joie de vivre” or the zest of life. When you are in alignment, you are closing the gap, and therefore are the expanded version of you.

Being rich is not just about having more MONEY!!! Being rich is, knowing how to get everything you desire in life. That’s the real definition of being rich. Being rich is having the freedom to be able to do anything & everything whenever you want to do it. Being Rich is to experience the Grandest Glory called LIFE. Life was meant to be a Grand Celebration you see.

You are the greatest & the most wonderful creation of nature. You don’t even have to look elsewhere to find God. In fact, you were actually made in the image of God. Think about it. You possess in you, all the powers of the cosmos to make a heaven of a hell & a hell of a heaven by the virtue of the thoughts that you think in your mind!!!

When I say that you were created in the image of GOD, it doesn’t have to mean that we all are alike. What I intend to mean is that, in essence we are all made & composed of the same stuff. We are all made of the same energy which can vibrate at different frequencies to produce different results.

When you learn to control & direct your energy frequencies to vibrate & resonate at will, you become a deliberate creator in life & then you can create & manifest anything you want out of thin air (ether, I believe).

About the Author

Amit Desai is an Author & Keynote Speaker on The Law of Attraction, Prosperity Catalyst & Trainer

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Backpacking With Travel Insurance

Article by poohallain

Planning a trip also calls for the consideration of a relevant insurance policy. Travel insurance is an easy thing to acquire because of the availability of a number of different options from which to choose from. Travel insurance policies exist mainly for the protection of any traveler and it is best to consider a number of different options before deciding on any one plan. This article will give an overview of the relation between travel insurance and problems arising from mishandled belongings and travel delays. Travel insurance policies also offer travelers with protection for their baggage for when delayed in shipment happen or the belongings are lost completely by the travel provider. Travel providers have the decision on whether or not to compensate a passenger for lost belongings regardless of who is at fault so being equipped with an insurance policy really helps in this occurrence. Travel insurance can offer a traveler with an adequate amount of security and aid should a problem be encountered in the middle of a trip. Equipped with an insurance policy, not only will the traveler be more secure during his or her trip but also have the peace of mind that travel providers will not take advantage of him or her should a problem arise. Trip cancellation and interruption insurance covers the costs that are incurred when trips are suddenly cancelled due to varying reasons. The coverage for this type of travel insurance also extends to the cost of getting home if the person’s trip is cancelled or cut short for whatever possible reason. There are some policies which may include additional benefits in the contract while there are some with fixed provisions. The reasons may vary from injury or illness, issues regarding a travel companion, emergency situations, even war and terrorism are counted. If someone already has a travel insurance policy, it is possible to simply add more services to extend the aforementioned policy. There are a number of reputable travel providers whose services include top notch performance when it comes to travelers’ belongings. Travel insurance policies can also provide travelers of all kinds withh the necessary coverage for when their luggage are lost or mishandled by travel providers. Having an insurance policy for when luggage is lost will result to a better compensation agreement for the traveler. Travel insurance policies usually include a number of varying risks which can be settled under the coverage provisions. Things are important to people and it is as simple as that. Travel insurance serves the purpose of aiding travelers when it comes to troublesome situation like financial loss or medical problems that occur during a trip. There are many who take advantage of booking a trip and availing of a coverage plan at the same time so that the whole trip will be inclusive of coverage. Travel insurance coverage can be obtained from travel agencies but these will only be inclusive of limited and short term coverage. Now it is safe to say that engaging in business with actual insurance firms is always the wiser option as compared with travel agents. It is quite unusual for trips to run smoothly all of the time and there will always be some flaws in the system of travel providers where insurance policies like this one will become quite handy. With travel insurance a traveler has the security of baing able to handle the situation and get home. This form of insurance can become beneficial for any kind of trip may it be for leisure, business, or student travel. It is very rare for insurance policies to be attained separately from when people book their trips as it is much easier and efficient to manage the two things together. People who obtain their travel insurance coverage from the insurance companies can be considered to have long duration trips for these policies provide continuous coverage for long periods of time. Travel providers will have a difficult time if they plan to con a traveler especially when an insurance policy is in order. This is why it is advisable for a person traveling to acquire an insurance plan from the main insurance companies in his or her area and not from the travel providers. Make use of a proper travel insurance policy to protect what is owned and one’s time as well.

About the Author

I am the author of my own life.

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Personal Development is Crucial To Your Home Based Business!

Article by Hai Liang Tan

Can personal development help me succeed in my business? Do you think of this when people are sharing with you the benefits of personal development? Many people tend to shut off their mind when they hear the 2 words “personal development”. Unfortunately for them, they do not really grasp the true meaning. And it’s not really their fault. How we define personal development is based on our observation and experience.

Nevertheless, do you understand what does personal development mean? Many people may give you different definition but to me, it’s a term which means “Learn”.

If you can define something then it is more finite, tangible and we can see the parameters. Without a definition, things are subjective and intangible. For me, it means Learn.

In our everyday life, people are always learning about something. In a way, we learn so that we can be better at it and also to do things more efficiently. It doesn’t have to be a formal classroom type lesson, most of the time it’s hands on learning. At times, self study from books and videos is possible, other times, we should learn from a proper expert. If you are interested in making your own furniture, don’t you think learning carpentry skills from a qualified carpenter will accelerate your learning curve and saves you time than doing it yourself?

It is a common perception that once we leave school, we have studied enough. That is actually a wrong thinking. Regardless of what we do, we are constantly learning, whether formally or informally.

In the past 3 weeks, my belief in the importance of personal development deepens. I had enrolled in internet marketing bootcamp despite of some of my other friends’ bad experience. I believe the trainer is qualified because he is successful in what he does. This is a paid bootcamp in a formal learning environment and its for my own personal development. I want to deepen and develop my own internet marketing skills, so learning from an expert accelerated my learning curve.

In pursuing to develop my internet marketing skills, I met new friends who help to encourage and motivate me in my life as well as my internet marketing journey. Also, the event also opened up new opportunities for me to make money and improve my skills to make money online.

These opportunities will not be apparent to me if I wasn’t determined to constantly study and learn more things. Many people are not willing to pay to learn from others. The price is always an issue and the common complain is, “too expensive!”. However, they fail to see the importance of new knowledge and skills or an improved skill. Without such new knowledge and skills, we won’t be able to spot potential opportunities. We must always remember that we can be robbed and our physical materials taken away, but nobody can take away our knowledge and skills to make money.

There is more to personal development than just to improve your well-being. Many people think that personal development is all about getting motivated and positive thinking etc etc. On the contrary, personal development also mean to learn more knowledge or skills in addition to what you already know. To sharpen your skills and proficiency or improve your expertise in certain areas. When you put effort in doing these things, your perception will change and you will discover more opportunities opening up to you. Don’t expect opportunities to hit you on the head and shout “Here I am!”. You have to go look for it.

That being said, I believe that personal development not only improves your well being, it also improves your money making potentials!

About the Author

Hai Liang strive to help people who want to succeed in their home based business. For proven home based business opportunities visit http://autopassiveprofits.com

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The ten key words about happiness

Article by LEDWATCH

The ten key words in connection with happiness 1. Fortune: Money can buy a degree of happiness, social status can also be bought. Once the problems of food, the clothing, housing can be resolved, the sense of every dollar you earn will be less and less. 2. Desire: Desire is the enemy of happiness, so enough is as good as a feast. Survey shows that the happiness of the one who not to compare income with someone else is 5 times than the happiness brought by high-income. 3. Intelligence: the support of happiness from intelligent is very limited. Study confirmed that the people with more intelligent tend to have higher desire, if they can not get higher achievement, then they can not meet the desire. In addition, the high-IQ-person does not mean he/her have ability to handle interpersonal relationships. 4. Inheritance: Happiness is some extent to inherent. the sensitivity of Human “happiness perceiving point” is 90% determined of genetically, but also on the right experience, common sense and good training and education of parents,. 5. Beauty: beautiful people is happier, which may be a bad news for many people. However, it will not be a problem if you believe that you are beautiful. Women do not always feel too fat; men do not feel that they are not handsome and not strong. 6. Friendship: Friendship is the source of happiness. Sociologists point out that the different people with income and social status has been able to have the same sense of happiness, in large part because of the existence of friendship factor. 7. Marriage: married people are happier than unmarried people, which is agree by the world’s scientists, the super sense of happiness is at least last for whole the first year of the marriage. 8. Faith: This is a positive factor in form of happiness. The common belief can drives people to cope with misfortune and disaster, bring the community interaction and support. 9. Love: Although it is still unclear, it is the happy people love to do good, or the good deeds make more happy, happiness and altruistic behavior is clearly closely linked. 10. Age: the elderly tend to be more happy. As the years went by, the elderly gradually learned to grasp happiness so well, and prone to give up trouble and misfortune things.(CoCo Gift store the most comprehensive collection of fashion cool watches are on sale. Great Discount and Quality cool men’s watches. Many cool watches AUTO Mechanical Men Watch available At cocogiftstore.com! Light your life from now on.)

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