Post cruise disaster tips for safe cruising

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by Danielle Bailey January 29, 2012 in Insurance News

The cruise lines want passengers to think that their ship is like a floating paradise so they relax and spend money, but latest cruise disaster has prompted many future passengers to re-examine how they prepare for and take their cruises.

Before you cruise

Before you choose your cruise, get a sanitation report on the cruise ship. That will help you know how the CDC scores that cruise ships sanitary conditions.

Prepare a ditch bag

A ditch bag is a small bag holding the stuff you may need if you have to ditch ditch your room, ditch the ship, whatever. What goes in your ditch bag? IDs, passports, necessary medications, cash, spare credit card, spare eyeglasses, those kinds of things. Pack a few additional zippered plastic bags to keep your medications and cell phone dry.

Ideally, the bag should be as small as possible and its especially useful if it can be thrown over your shoulder and worn under your life vest.

FYI: most life vests are equipped with a whistle and strobe light, so those are probably not necessary to store in your ditch bag.

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Medical tourism becoming a trend in the United States

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by Danielle Bailey January 20, 2012 in Insurance News

Was awarded the Memphis director Willy Bearden need heart surgery, but did not have adequate insurance to cover treatment. In a story Sunday, Commercial Appeal reporter Tom Charlier said how Bearden traveled to various countries where he could perform bypass surgery three for a fraction of what it would cost in the United States. Bearden traveled to India is part of a growing trend is called medical tourism. This is a trend that provides a stain on the idea that America can enjoy the best medical system in the world. This trend is supported by care costs have increased and the development of high quality services abroad and produce the same positive results when compared to the Bearden case, since only one-tenth of the costs used for the treatment. It certainly will open the eyes.

Rising health care costs in America, many experts say that such problems could cause the state budget deficit. Health care legislation in 2010 which was made by the Obama administration, if it passed, this issue will be discussed to some extent, but will not provide a total solution.

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New Pension and Life Insurance Options Slated for Indian Expatriates

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by Danielle Bailey January 16, 2012 in Insurance News

India’s Prime Minister Manmohan Singh made news this week with the announcement of a new state pension and life insurance scheme designed to cover the country’s large expatriate workforce. The move looks to fulfill a long-standing demand of the prolific non-resident Indian diaspora and could encourage the country’s millions of overseas workers, especially the many now working in the Gulf states, to invest back in their home country and save money for their future.

Dr Singh laid out the details of the government’s new Pension and Life Insurance Fund (PLIF) in his inaugural address at the tenth Pravasi Bharatiya Diwas in Jaipur on Sunday. The Pravasi Bharatiya Diwas, or non-resident Indian day, is an annual event that recognizes the sizeable contribution made by the overseas Indian community to the continued development of their home country. The 1,9

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Allstate Insurance Offers Auto Customers Money-Back Guarantee

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by Danielle Bailey January 05, 2012 in Insurance News

Allstate Insurance, in an effort to find an edge over its competition, is promising its customers a money-back guarantee if they’re not satisfied with their auto insurance claims service. This enticing refund option was successfully tested in four states last year and now has been expanded to dozens throughout the country.

Allstate Tested Money-Back Guarantee Last Year

In an effort to gauge the potential of its money-back guarantee, Allstate tested its concept last year in four states—Georgia, Indiana, Michigan and Ohio. It provided customers who were dissatisfied with the service on a paid auto insurance claim a credit to their premium if they complained in writing within 180 days of the incident that caused the claim.

The company said during its test run that very few customers requested refunds, making its test run a successful one.

Kevin Smith, an Allstate spokesperson, told Fox News, “We had very few applicants for the satisfaction guarantee in those states, which led us to believe: one, this would be successful for us and two, our processes continue to be performing very well.”

Now the insurer says it is prepared to expand the money-back guarantee to nearly two dozen states with more to come in following months.

Allstate Customers Won’t Pay Higher Premiums

Allstate Insurance included in its announcement that customers who purchase personal auto insurance policies under the new money-back guarantee will not be charged higher premiums. Further, the com

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