Archive for the ‘Insurance’ Category

All Students Attending A Large University Could Be Covered By

All Students Attending a Large University Could be Covered By a Comprehensive Health Insurance Plan

College is a time of academic growth, personal development, and also, exposure to new health risks. However, many students are inadequately insured, exposing them to potentially huge medical bills. Coverage for all students attending a large university is not only possible but also, in many cases, both desirable and achievable. In this discussion, we will focus on how students can be covered by low deductible student health insurance.

The concept of low deductible student health insurance is somewhat self-explanatory. It is a health insurance plan that is designed specifically for students and has a low deductible. A deductible is the amount a policyholder will have to pay before the insurer starts paying. The lower the deductible, the sooner the insurance kicks in.

Health insurance for students attending large universities holds lots of advantages. It gives them access to affordable healthcare and protection against high unexpected medical costs. For many students, those who are studying in foreign countries, or far from home, access to local medical facilities can be restricted or expensive. A well-designed student health insurance plan could help to mitigate these issues.

An additional reason for universities to provide health insurance plans to students is to ensure their physical and mental wellbeing. Doing so increases the chances of successful academic outcomes. Student attendance, participation, attention spans, and overall academic performance are all influenced by health status.

Extending student health insurance may seem a costly endeavor for universities, but when implemented properly, it can be a win-win solution for both students and universities. By pooling the risk among a large group of individuals, insurance becomes more affordable for each student. The university can also negotiate with insurance providers to obtain the best price for the package.

Universities offering low deductible student health insurance demonstrate a commitment to their students’ wellbeing. These universities provide more than just an education; they provide a safety net that supports the students throughout their academic journey. Coverage can also be expanded to include mental health services, a crucial component in today’s stressful academic environment.

However, the biggest challenge that both universities and students face is the lack of awareness and understanding of the benefits of student health insurance. It’s crucial for institutions to take the lead in educating students regarding the necessity of health coverage and how to make the best of the options available to them.

Given the benefits and the relative affordability of the option, low deductible student health insurance seems an increasingly attractive solution for universities of all sizes to implement. It is vital for the wellbeing of our future generations and for the sustainability of academic institutions. So, let’s make health coverage for all a reality, and not just an option!

Posted on June 23rd, 2024 by  |  No Comments »

How Does Laptop Insurance Work?

How Does Laptop Insurance Work?


ben green

How Does Laptop Insurance Work?

If you ve just spilt juice all over your laptop, you re probably in a panic as to how laptop insurance actually works!

When you bought your laptop, chances are that you bought some kind of insurance or got 1 year s free warranty with it.

A warranty will typically cover you for technical faults, while insurance will cover you against accidental damage and theft in addition to technical faults. However, some free warranties do give you complete cover for a whole year. So be sure to carefully read your paper work and receipts.

Claiming on Laptop Insurance

For starters, the cost of insurance will vary depending on the model of your laptop. Obviously, the more expensive a laptop is, the higher the insurance cover with be.

Additional supplements may need to be paid for cover against third party fire and theft for example. And some policies may require additional payments if you re only covered for repair or replacement costs up to a certain amount. So always read your policy very carefully.


But if you ve already got

laptop insurance

and you ve got all your insurance information, claiming is easy. If you don t have your insurance information, you may be able to find it through receipts, bank records or emails if you made a purchase online.

Now simply take your laptop with all your paper work to the store you bought it from and explain to the person on the customer service desk (or relevant department) what the problem is and how you d like to claim on your insurance policy for repairs or a replacement.

They will always assess it and try to fix it. But if they cannot fix it they can offer a similar refurbished product or vouchers to the value that was paid for the laptop, plus the remainder of the insurance premium paid.

But once again, carefully read your insurance policy in advance, just in case you need to settle any disputes.

Claiming on Laptop Warranty

Claiming on a warranty is just as easy as claiming on insurance. Simply return your laptop to the store you bought it from with your warranty paper work, including proof and date of purchase.

However, if you re only covered for technical faults on your warranty, you may have to pay extra if the real cause of the problem is accidental damage.

In the case of spilling liquid over your keyboard (probably the most common form of accidental laptop damage), a technician looking to fix a faulty keyboard will know something s up when they find a substantial amount of liquid trapped in the rubber membrane*.

Some stores may be generous and let you have the repairs for free, but most will stick to the letter of the warranty and charge a fee before returning your repaired laptop.

*Lots of modern laptops have a rubber membrane around the underside of the keyboard to prevent spillages from leaking through to the motherboard and other important parts of your laptop.

Laptop Repairs Outside of Warranty or Insurance

If your laptop is outside of warranty and you don t have insurance, you ll need to take it to somewhere to get it fixed by a geek.

For example, one evening I accidentally spilt a whole glass of red wine over my expensive laptop (now you can see where the spillage theme in this article comes from) and my laptop simply stopped working.

I was unable to find my warranty paperwork or proof or purchase and I needed my laptop fixed as soon as possible, because I use it for work – Panic and hysteria ensues!

With no internet access, I call up a friend who suggests I take it to

Geek Squad

, just up the road.

I drove in, they quickly assessed the problem, told me they d have to order in a replacement keyboard. Parts and repairs came to 70. And considering the laptop cost me 700 (and that was on a special offer), I was more than happy with that amount.

A week later I had my laptop back and in perfect working order. Now I make sure I keep all my paper work in a safe place so I don t lose it.

I always make sure that drinks are as far away from my laptop as possible at all times.

As a lover of all things technical, Adam is obsessed with new gadgets and advises on a wide range of technical topics from

laptop insurance

to setting up your Smartphone with the aim to help others to grasp the fact that optimising and fixing your own tech isn\’t as complicated as the manufacturers might make out.

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Posted on October 16th, 2022 by  |  No Comments »

Characteristics Of The Top 10 Auto Insurance Companies

By Jim Bassett

When trying to decide which insurance company to contract with people often look for the top 10 auto insurance companies. This is a good place to start though considering that these companies will have an established reputation that extends for decades. But the truth is that they are not always as good as people say they are. So as an alternative it is best to have a list of things you look for in an insurance company and then decide for yourself which is the best.

What I have often observed with a large number of insurance companies is that they tell you they are reliable and you should totally depend on them. There are some companies that meet this promise but it is not always the case. It is so hard to find a company you can rely on. Reliability comes to the fore when it comes to compensation after an accident or theft.

According to the contract of insurance that you sign there are terms and conditions about compensation and the insurer is obliged to compensate after a certain duration of time. But sometimes they ignore these provisions and do as they like.


I mention reliability because there will be situations when you need to get back on the road as soon as possible. Now if the company has not reimbursed you you stand to lose out on a lot of business or even work opportunities. Reliability is the most important thing.

An insurance company might be reliable but slow to respond. If at all a third party is injured and they need urgent medical attention speed is of utmost importance. Speed and efficiency are again important because you might still need to go to work the next day or the following Monday. And even though there are alternative forms of transport slow compensation will definitely upset plans already made.

The common misconception is that an expensive insurance policy is the best. This is sometimes true when it comes to clothes and shoes but with insurance you can’t depend on this philosophy. Rather look for a company that is cheap and efficient at the same time. This will save you a lot of money and time at the same time.

But this does not mean that expensive companies are not worth it. If you can afford expensive cover that has an established reputation then go for it. In addition to this a company that lowers premiums according to changes you make to your car and your driving record are listed in the top 10. Companies that lower premiums when you install alarm systems and trackers are respectable. Some don’t even care about this at all and they are in the top 10, think about that.

And sometimes you get discounts on insurance when you get a defensive driving course. And if your child gets good grades at school his/her insurance costs will be discounted. This is what top ten insurance companies must have on offer. Without this then what sort of rankings are they.

About the Author: When trying to decide which insurance company to contract with people often look for the

top 10 auto insurance companies

. This is a good place to start though considering that these companies will have an established reputation that extends for decades and are able to provide

cheap car insurance



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Posted on May 3rd, 2022 by  |  No Comments »

Why Choose Allstate Car Insurance?

Why Choose Allstate Car Insurance?


Allison Mac

Car insurance of course is the law but it is also extremely important in order to protect yourself and your vehicle. You have likely made some really important choices as to what kind of car to buy. Now you must make another important choice which car insurance company to use. Allstate is a very large reputable car insurance company. Here are some statistics on Allstate Car Insurance in order to help you make an informed choice to find the right coverage without it costing you an arm and a leg.

Allstate Car Insurance has 4 plans to choose from:

1.Platinum Package:

Accident Forgiveness (Multiple Accidents)

Helps keep your rates from going up just because of an accident. Even if it’s your fault.

Safe Driving Bonus

Introducing the Safe Driving Bonus Check*, for every six months of accident-free driving you have the opportunity to earn a check of up to 5% of your premium. This is in addition to any other Allstate discounts you qualify for.

Deductible Rewards


You’ll get $100 off your Collision deductible the day you sign up. And then $100 off every year you go without an accident. Up to $500 total.

New Car Replacement (optional)

If your new car gets totaled in the first three model years, you may be able to get a totally new car – not just a check for the depreciated value.

2.Gold Package:

Accident Forgiveness

Helps keep your rates from going up just because of an accident. Even if it’s your fault.

Deductible Rewards

You’ll get $100 off your Collision deductible the day you sign up. And then $100 off every year you go without an accident. Up to $500 total.

New Car Replacement (optional)

If your new car gets totaled in the first three model years, you may be able to get a totally new car – not just a check for the depreciated value.

3. Standard Policy:

Accident Forgiveness

After 5 years for eligible customers.

4. Value Package:

Allstate Easy Pay Plan

Lets you pay your bills automatically – no stress, no worry.

Allstate Car Insurance also offers many discounts that are worth looking into. There are safe driver discounts, safe car discounts, discounts for drivers with multiple Allstate policies, as well as discounts for students and seniors.

On top of all these discounts Allstate also offers an environmental option where they will donate $10 to national, environmentally conscious organizations. In my opinion every little bit helps and if I m going to be driving a car, I figure the least I can do is to help the environment in every other way possible. For all of these reasons Allstate Car Insurance is a great company and worth looking into.

To learn much more about the different types of car insurance and to receive a free

car insurance quote

, visit

where you ll find this and much more, including information on

car insurance for women


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Posted on March 5th, 2022 by  |  No Comments »

National Healthcare Benefits

Health care has been so much in the news lately and there has been so much discussion about it, most people probably have no idea how they may be affected. Here, in the United States, national health care has been basically, Medicare, for those over 65 (or disabled) and the state run, Medicaid, in New York, or similar program, in other states. In order to qualify for state medical aid, one must have virtually no income or assets. This type of system leaves many people in a difficult situation with their health care status. If they are not working at a company that provides medical coverage, not elderly or not dirt poor, you may have problems with medical care. National health care would help those who do not qualify for state aid and not eligible for Medicare or any other health benefit program through work or school. Many jobs provide access to a couple of health plans and cover part of the cost of enrollment, where the remainder, is deducted from the employee’s salary. Of course, how much is covered depends on the employer. When an employee leaves the job, they can be eligible for co-ordination of benefits rights act(COBRA) and still qualify for the reduced payment of the insurance coverage. National health care can provide either a wide range of medical insurance plans at affordable prices to the general public or direct assistance with medical claims and bills. It can also help people with more serious illnesses pay for expensive medications and lab work.

Posted on February 12th, 2022 by  |  No Comments »

Joys Of Childbirth}

Submitted by: Geo Clark

Dont be surprised by the title. We definitely had some hard times before we experienced the joys of child birth. After we had been married for a year, my wife told me that we were having a baby. I was so happy. I was dancing in the streets. By the way, I am a lousy dancer. It seems that the high of fatherhood went away two months later when the Doctor told us that we had a miscarriage. Personally, it was awful. It was much harder for my wife. Our closest family support was 3000 miles away. Her only comfort was me. A guy in the beginning of his second year of marriage. I am a typical fixer. All she needed was someone to hold her , listen to her and maybe fly her mother out.

I was not able to fly her Mom out at the time. She is very close to her Mom and it would have helped. We all learn and grow from every hardship and/or crisis situation. About a year later, we were pregnant with baby number two. We both were a lot more tentative with our spreading of joy. The miscarriage experience was still only a year behind us. We were still 3000 miles away from any family support. Doctor visits were more frequent . Unfortunately, at the two month mark, we had a miscarriage for baby number two. As hard as it is, it is even harder as we started to second guess if we were ever going to have a child make it long enough to be born.


After the second miscarriage, we moved to Colorado. This is only 1000 miles away from family support. This is when we found it to be hard to conceive. So, we had Doctors check us both out to make sure that we were fertile. We both checked out okay. Our attempts for a baby were unsuccessful. Therefore, we decided to adopt a baby. We did have a lot of love to give. After our adoption and loan was approved, we were blessed with pregnancy number three. We were tough on all Doctors in our quest to have a child. This child made it past the first trimester. Our hopes increased into month four. The second trimester went well and we moved into the final turn. At this point, we were feeling pretty good. Good to the point that we named our son.

He had made it to a few weeks before term, and our midwife told us that we were having a baby that night because he was stressed. Im thinking what can a baby be stressed out about. Maybe, my wife needs to swallow a ball so he has something to play with. I moved the flag in the front yard so our neighbors knew that we were headed to the hospital. I tried to be helpful during the birth. I wasnt that much help. Late that evening, our first child was born. It was awesome.

Im glad he wasnt camera or video shy. We took more pictures of this child than all of the others. When I look back, it was a trying but great experience. Now, he is a senior in high school and knows everything.

About the Author: Believe that success is based on faith, family, and friends.

small business attorneyinternet marketing43 essentials


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Posted on January 16th, 2022 by  |  No Comments »

Buying A Car: Suv Or Sedan?

By Mark Robinson

Scenario 1: OK. You got loads of money and you’re in the market to buy a brand new car! Congratulations!

Scenario 2: Ok. You still have to earn that money to buy your car. But it won’t hurt if you start dreaming about it now, right?

So, what are you buying? The power an SUV provides? Or would you go for the sleek sporty personality of a sedan? We have met a lot of buyers who have been mulling about this dilemma even right at the point of purchase. Here are some considerations that may help you decide:


Originally designed for off-roads and difficult terrains, a Sport Utility Vehicle is designed with a body-on-frame chassis, high clearance, and packed with superior brute force.

Sports Utility Vehicles are the popular choice of vehicles for African safari, Australian outbacks, wilderness in Alaska, and the rough terrains of Asia. It is naturally not difficult then to associate this vehicle to someone who leads a life of adventure, an outdoorsman, or someone who is strong and dependable.


With this background of a Sports Utility Vehicle, there is now an emerging popularity among the rich and the famous to prefer SUVs to the usual sedans and sportscars. SUVs prove to be a convenient type of vehicle even in an urban setting. While rarely using its inherent superior engine power, an SUV can come in handy in deep snow and in pulling caravans, and trailers boats.

As more city dwellers drive SUVs, more have expressed displeasure with its truck-like rigid driving and gas-guzzling engines. Manufacturers appropriately respond with new models that are way much improved as they drive like cars, more luxurious cab features and accessories, and are more fuel efficient.

Here are some of the more popular SUVs: Hyundai Santa Fe, Toyota Land Cruiser, Land Rover Discovery, Ford Explorer.

Furthermore, as an answer to some allegations that an SUVs high center of gravity means increased probability of turning turtle, the manufacturers came up with cross over SUVs with lower center of gravity, more car-like features and design, but with the same brute power and much improved traction control and suspension.

Here are some of the more popular cross over SUVs: Mitsubishi Airtrek, Toyota Rav4, Volvo XC90


Sedans are hands-down winners when it comes to handling and maneuverability. They are more fuel efficient, and the new models now have luxurious features that are otherwise not standard in most SUVs (except the real high-end ones.)

Sedans are sleek and sexier; they won’t dwarf you down when you stand beside it. They are more practical for everyday use, easier to park, can do faster acceleration and are easier to wash.


Sedans are the most basic types of automobiles. They are passenger cars, usually with four doors and two rows of seat with lots of space for adults at the rear compartment. It usually has a separate compartment that serves as storage trunk for loads at the rear.

The different types of sedans are: notchback sedans, fastback sedans, two-door sedans, hard top sedans, hatchback sedans and chauffeured sedans.

OK. Back to the question, which would you prefer? Perhaps re-phrasing the question as, ‘what are your priorities? Functionality? Dependability? Form or function?’ would help you decide. Happy hunting!

About the Author: Mark Robinson writes for Visit his website for information about student car loans.


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Posted on August 6th, 2021 by  |  No Comments »