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Uniqa Asigurari – Despre Serviciile Oferite

primulsite — Wed, 09 May 2012 11:55:53 +0000

Cunoscut ca unul dintre cele mai mari grupuri de asigurare din Europa Centrala, Uniqa Asigurari promoveaza cinci valori fara de care o astfel de companie nu ar putea avea succes: flexibilitate, unitate, decenta, calitate si respect.
Uniqa asigurari este un lider pe piata asigurarilor din Romania, unul dintre orasele in care are succes fiind Clujul.

Peste 550.000 de clienti utilizeaza servicii ale acestei companii.
Serviciile oferite sunt atat pentru persoanele fizice cat si juridice si aici vorbim de asigurari in afaceri, asigurari pentru angajati, asigurari de accidente, de viata, de locuinte si bunuri, asigurari auto, etc.

Iata cateva dintre serviciile pentru persone juridice oferite de Uniqa Asigurari Cluj:

OptIMM&Eficient

Este un tip de asigurare care garanteaza succesul afacerii dumneavoastra prin pachetele pe care le contine felxibile si care acopera o varietate de nevoi de protectie.

Ce poate fi asigurat?
Bunuri de valoare: obiecte din metale pretioase, bani, documente, etc.
Stocuri de bunuri si mijloace circulante, produse finite, materii prime si produse in curs de executie.
Bunuri continute in cladiri: obiecte de inventar, instalatii, masini, mijloace fixe, echipamente, etc. Cladiri, echipamentele/instalatiile fixe aferente, constructii, garduri si imprejmuiri .

Asigurari accidente

Aici sunt cuprinse toate domeniile de activitate, in care persoanele juridice vor sa asigure persoanele fizice angajate in activitatea lor. Pot fi asigurate toate persoanele care au varste cuprinse intre 16 si 74 de ani. Se poate opta pentru asigurare doar in timpul desfasurarii activitatii si in timpul deplasarilor in interes de serviciu sau 24 de ore din 24.

Iata cateva dintre serviciile pentru persone fiziceoferite de Uniqa Asigurari Cluj:

Asigurarea de locuinta si protectie
Prin aceasta asigurare atat casa cat si familia dumneavoastra este in totala siguranta.

Ce poate fi asigurat?

Casa, vila, apartament, bunurile din locuinta, bunuri casabile si puteti opta suplimentar pentru raspunderea civila fata de terti care presupune evenimente produse la locuinta asigurata.

Asigurari de accidente

Asigurarea individuala pentru accidente
Persoanele asigurate sunt cele cuprinse cu varsta intre 16-74 de ani cu privire la tot ceea ce inseamna riscul de accident. Exista posibilitatea de a opta pentru protectie doar in timpul liber.

Asigurarea de accidente pentru familie
In cazul acestei asigurari pot fi asigurate si persoanele din gospodaria asiguratului. Membrii care pot fi asigurati sunt personele cuprinse intre 0 si 74 de ani iar acoperirea poate fi doar pentru timpul liber.

Asigurarea de viata este un alt produs al Uniqa Asigurari.
Exista mai multe tipuri de asigurari:
Orizont si stabilitate
Garantie si protectie
Echipa si succes

Asigurarea de viata este importanta pentru fiecare individ cat si pentru membrii familiei acelui individ.
Uniqa Asigurari are si multe alte produse pentru a-si servi clientii. Cu siguranta veti gasi o polita de asigurare care sa va multumeasca si ca persoana fizica dar si ca persoana juridica.

Commonly Held Misconceptions About Medicare And Medicaid

Kristie Brown — Tue, 17 Apr 2012 12:00:09 +0000

People have become lulled into thinking that once they turn 65, they have no more health insurance worries. They believe that Medicare, an entitlement program which they paid into throughout their working lives, will take care of them during the years when they need health coverage most. Although every United States citizen is entitled to Medicare coverage, and those with low incomes can apply for Medicaid, these are by far not the cover-all health policies that many people think they are. That's why, when they are in a position to make a claim, they often find themselves in a world of hurt.

The first misunderstanding that many Medicare recipients have is that once Medicare has paid everything it's going to pay, Medicaid will kick in to pick up the remainder. This may or may not be true, and only if the person meets the qualifications required by Medicaid. Medicaid is health care for low income or needy individuals. Unless the Medicare recipient meets the financial guidelines, Medicaid will not pay anything. This is why supplementary insurance is so necessary for those who are on Medicare.

Many individuals believe that in order to qualify for Medicaid, all they have to do is transfer their assets to a family member so that they can meet the guidelines. This is not true. Instead, if you try this trick in order to receive Medicaid coverage, you may find yourself faced with a large penalty. The government is prepared for patients trying to beat the system by transferring assets for less than market value to loved ones. When a new application is filed, the state will look at the person's finances for as far back as five years. If they find you've transferred money and property you once had to a sibling or child, you will end up in legal difficulties.

Another misconception that can end up costing you is that Medicare will defray the costs of home or nursing home care. In reality, Medicare doesn't kick in until you've been in the hospital for at least three days. If following your hospital stay you require rehabilitation or skilled care, Medicare will only pay for the first 100 days. Certain patients who require physical therapy or other care may qualify for more Medicare benefits. Home care as well as nursing home care need to be covered by some type of long-term care insurance.

Some people think it's a simple matter to sign up for Medicaid if a need arises. This is also not true. Although the procedure is different in the various states, you will still need to prove you are eligible no matter where you live, and this can take a lot of time. You may be required to produce paystubs, if you are still working, bank statements, proof of age and citizenship, proof of income (social security), and any insurance policies that you own. With Medicaid, it's good to start the process as soon as you meet eligibility requirements so that if you need the assistance, you already have it in place.
For more info visit http://www.brightstarcare.com.

The Case For Plastic Surgeon Malpractice Insurance

studio747 — Tue, 06 Mar 2012 03:03:48 +0000

Plastic surgery as a medical procedure is the most highly sued and is among the top most high- risk medical specialties. Half of all medical malpractices cases are filed against surgeons although they are a minority among physicians. One in every three of the board certified cosmetic surgeons is sued every year for malpractice. Thus, plastic surgeons remain the most vulnerable among all surgeons. They definitely need a good plastic surgeon medical insurance policy if they do not have one already.

Besides malpractice insurance, proper communication between the surgeon and the patient is of paramount importance. Take the time and explain things to the patient in great detail in order to avoid any kind of litigation afterwards. All the procedures must be elaborated upon if the patient so desires, and all doubts cleared before the actual surgery.

It is in the interest of a plastic surgeon that he also portrays a realistic picture of the outcome to be expected at the end of the procedure. Most litigation arises out of unrealistic expectations of patients. When they are clear about the extent of the benefit of the surgery, they are less likely to sue the surgeon.

Proper documentation is equally important and relevant papers must be maintained throughout the period. This will help in case the plastic surgeon is sued for malpractice and also help any misunderstandings that may occur later with the patient.

Plastic surgeons have an inherent interest in stabilizing the malpractice liability atmosphere in the country. They are possibly the most susceptible to these malpractice suits and they tend to pay the highest premiums for their professional insurance.

The biggest advantage for a plastic surgeon is that the juries usually do not grant large compensation to the victims as they believe they are partly responsible. It is deemed to be not a life threatening situation that needed a surgery and hence the patient has chosen the surgery for cosmetic reasons. Even in cases of permanent disfiguration, the courts are unlikely to award punitive damages to the doctor.

Plastic surgeons, like all other medical professionals, must obtain plastic surgeon malpractice insurance to offset the perils and expenditure of lawsuits based on medical malpractice. Premiums for these policies vary from place to place; Connecticut and Florida have the highest whereas Oklahoma and Nebraska have lower premiums.
Insurance agencies assess the risks involved in each type of surgery that the doctor is going to undertake before determining the exact premium amount to be charged. The condition under which the operation is to be conducted is also of prime importance, such as the anesthesia procedure to be adopted during the surgery. General anesthesia is generally considered more risky than local anesthesia.

With the passage of time, insurance companies are now able to differentiate the skill levels of each plastic surgeon’s based on the training that he has undergone. This helps them in customizing the plastic surgeon medical insurance policies to suit each of the cosmetic surgeons. There is a constant endeavor on the part of the plastic surgeon associations to negotiate better terms with the insurance providers so that the surgeons are adequately covered for risks that are inherent in their profession.

What Is The Role Of Medical Malpractice Insurance?

studio747 — Tue, 28 Feb 2012 04:09:34 +0000

In the medical world, there have been cases and stories in which patients have come out of surgery with some operating tools still in their bodies. In other cases, patients are administered with wrong drugs or diagnosed with wrong ailments. These instances of medical malpractice have led to the loss of so many lives. As a doctor or physician, this would be the reason why medical malpractice insurance is so important to your career.

Under the law of the United States, if a patient is injured in the course of treatment by a professional medical practitioner, he or she has the right to sue the institution for the act of malpractice. This kind of law varies slightly from state to state. However, the fact that the patient needs to be compensated and the error corrected, is standard in all the laws. This insurance policy is popularly undertaken by the medical institutions and health care providers as they are always at risk of having themselves sued by the patients in the case of the slightest act of malpractice.

Under a medical malpractice insurance policy, the insurer will be responsible for carrying out an investigation on the claim that has been reported. This enables the insurance firm determine the financial value to compensate the claimant. These premium rates differ from one state to the other and also the size of the institution. The more the patients that are treated in the facility, the higher the risk of a malpractice occurring, which may play a part in higher premium rates.

Medical malpractice premiums are also determined by the practice that the medical professional specializes in. When it comes to obstetrics and internal medicine, the premiums are likely to be highest of all the practices. This is owing to the fact that the procedures carried out in these institutions are highly delicate and slight miscalculations could result in death or permanent damage of internal organs.

A medical malpractice insurance policy can be costly and a bit on the higher side for some health institutions and even individuals to afford. In accordance to this, the government initiated some tort reforms so as to increase the availability of the policy and also make it more affordable. These reforms were put in place with the main aim of reducing the malpractice claims that were beginning to be too many. The reforms also aim at reducing the size of payments made as compensation. In the long run, these reforms will hopefully reduce the general cost of medical care.

How To Find The Best Term Life Insurance Online

lumixdigitalcamerareviews — Thu, 23 Feb 2012 22:31:41 +0000

Term life insurance coverage can be really beneficial to those who cannot pay for the pricey premium payments associated with traditional insurance. As you may know, term life insurance coverage has lower rates.

In comparison, term life does not have the tax advantages and may not create cash-value like whole life or universal life insurance, but it can be really effective for those who would like life insurance at a low price.

As opposed to entire life insurance, universal life insurance or variable life insurance coverage, term life insurance coverage does not have money values or earn dividends. However there is a pretty new kind of term life insurance coverage policy called a return of premium policy.

This sort of policy returns all of your contributed premiums at the conclusion of the term period, provided you do not die. However, the premiums are so high it may not be financially advantageous to get this kind of life insurance policy.

An additional benefit to term life insurance coverage is that it presents many brief term period plans and that you (as the insurance coverage buyer) will be in a position to renew the policy when the term period is completed.

A term life insurance contract is rather simple in design. First you decide on the policy’s duration, the policy quantity, and then you name your beneficiaries. There’s no investment component. Nor is there a need to have to be concerned concerning the tax management of the resulting savings. A term life policy can be thought to be as primarily insurance protection.

Remember though, with a term life insurance coverage policy oftentimes you will be required to deliver your medical history and conduct a physical. This can be a hassle for quite a few of those looking for a life insurance coverage product that have a history of health connected difficulties.

All issues considered, if you suffer from a key ailment that affects your life expectancy, it is reasonable to anticipate your insurance coverage firm would want to know. The truth is, many insurance organizations build the extra risk in to the premiums. This is mainly 1 reason the premiums to get a guaranteed policy are higher than those associated with a term life insurance product.

A different term life insurance coverage solution that is well-known is called decreasing term life insurance. Mortgage companies and property owners can potentially benefit from this sort of insurance coverage. The homeowner will have the benefit and comfort of realizing that their mortgage will be paid off if they should unexpectedly pass away. In addition, the mortgage firm, is assured that they are compensated for the capital loaned to the homeowner.

The face quantity of these policies lower in a uniformed manner every single year as the balance owed on the mortgage decreases, and the premium remains level. This is a very inexpensive life insurance product.

Keep an eye out out for opportunities to get a low cost term life insurance coverage. Also keep an eye out for on-line insurance coverage providers who are Better Business Bureau-affiliated and are affiliated with the most respected life insurance coverage carriers in the business. If you are starting your term life insurance search on the web, be sure you are working with a credible and trustworthy business.

Most insurance internet sites will have links from their web site pointing to the kinds of insurance products that they offer. If they offer a life insurance quote engine such as Norvax, you will be given an chance to scour throughout a multitude of term life insurance coverage offerings totally free of charge.

The Need For Student Medical Malpractice Insurance

studio747 — Sat, 31 Dec 2011 09:18:49 +0000

Are you intent on taking up the medical profession by enrolling in one of the most successful medical schools or colleges? Medical malpractice insurance has become a must these days thanks to the growing number of law suits against medical students that inadvertently commit mistakes while attending on patients during their internship. Although there can be no intention in causing any sort of harm or physical discomfort to the patient, a medical student is often put to trouble by the affected patient by way of a law suit that would charge him with inadvertence.

In the U.S., it is mandatory to purchase student medical malpractice insurance before joining a medical college to pursue your medical studies. It’s important to consider whether a malpractice insurance plan covers the legal fees in case you get sued for malpractice during your internship days. Sometimes the judgement may be passed in the favor of the patient that files the legal suit against you for medical malpractice. In such a case it is heartening to note that the medical malpractice insurance plan covers even the judgment passed against you.

You might wonder how to search for companies that provide medical malpractice insurance plans for students. You need not worry in this regard for the Internet is laden with a wealth of information on the insurance companies that provide malpractice insurance coverage to medical students. Many insurance companies provide student medical malpractice insurance at affordable monthly or yearly costs. This will enable you to carry on with your medical studies without any sort of worry whatsoever. Some medical schools purchase medical malpractice insurance plans for their international students, so make sure to inquire about this when applying for schools.

Why Malpractice Insurance Is Important For Medical Professionals

studio747 — Thu, 29 Dec 2011 17:47:08 +0000

If you are one of the many busy medical professionals working today, you owe it to protect yourself from any malpractice. Having medical malpractice insurance will protect you and give you peace of mind if you are involved in any type of lawsuit.

A good example is a friend who was once to be an owner of a major hospital in Agana Memorial hospital located in Agana, Guam.

He and a couple of his co-physicians were in the process of doing a heart surgery. Unfortunately, the patient died while they were in the middle of the actual surgery. They tried their best to save the life of that patient but, it was too late for him to be revived.

The patient was pronounced dead and the family was informed of what happened. A couple of months after the incident happened, and my friend received a letter from a lawyer in regards to a lawsuit from the bereaved family. They were asking for $5 million dollars for settlement. My friend’s malpractice insurance at that time only covered for the amount of $1 million. He lost the case and ended up selling his share at the hospital. He was under a great deal of pressure to raise the money that he needed to cover the rest of the required funds.

To make a long story short, if he had been covered for more than a million by malpractice insurance, then perhaps he may have not had to suffer that situation. He could’ve been one of the owners of the hospital and would be receiving monthly income from the hospital. But he lost everything including his share at hospital. He needed to sell everything to pay the settlement.

It is very unfortunate to have that type of situation especially if you have a family and your kids are still young. This could have been avoided if he had enough medical malpractice insurance coverage to cover everything. That’s why I believe that it is in your best interest to have the maximum amount of medical malpractice insurance while you are still active in any medical field. You never know when one of your patients might decide that you didn’t provide adequate care.

It is also recommended to deal with a reliable insurance company who specializes in this type of coverage. There are many insurance carriers to deal with, but working with a reputable company will ensure that you will be covered in the event of any medical malpractice.

Maria Palma is a freelance writer and internet marketer dedicated to helping businesses expand their online presence. If you are seeking medical malpractice insurance, request a quote online by visiting: www.nexus-insurance.net

Why Doctors Should Have Physician Malpractice Insurance

studio747 — Tue, 27 Dec 2011 23:31:10 +0000

It is not common for patients to sue doctors for negligence or for failing to exercise due diligence when treating patients. This is usually known as malpractice, and it can cost the doctor a fortune. The court can ask the doctor to pay the patient for damages caused if it is proven that the doctor failed was responsible. Physician malpractice insurance offer doctors with financial protection in case they get sued by patients.

It is mandatory for every doctor to take physician malpractice insurance before he can be allowed to start practicing as a doctor. When a doctor buys medical malpractice insurance, the provider takes responsibility for any legal issues that may arise in the course of work. This means that it is the insurance company that will pay for any damages caused by the doctor. You can buy the coverage as an individual or as part of large group such as a hospital. Most hospitals have medical malpractice insurance coverage to protect their physicians. There is no need for doctors who work in public hospitals to take malpractice insurance cover since the government is the defendant in this case.

When you take physician malpractice insurance, you are expected to pay an amount called retention every time you are sued. This is different from other insurance coverage where you are expected to pay deductibles. You will still need to pay for legal expenses even if the patient does not win the case. The professional is expected to negotiate the amount he is willing to pay the patient in liability insurance, but if the two fail to agree it is upon the provider to decide based on the amount negotiated.

The premiums for physician malpractice insurance coverage can vary from one state to the next. However, there are some factors that the provider is going to put into consideration when deciding your monthly payments. These include the risk involved in your work, the type of facility and the legal expenses. The geographical location is another thing which can affect the premiums. Doctors who practice in urban areas may be required to pay an amount which is relatively higher than those in the rural areas. However, you can find cheap medical malpractice insurance cover if you shop around. Compare the rates of different providers and choose the provider with the most competitive price.

It is important to conduct a background research on the provider before buying physician liability insurance. Make sure the provider is stable financially so he does not go insolvent and you end up losing your money. In addition, make sure the plan covers all incidents without limitations. This will prevent you from having to pay for some incidents from your pocket.

It is important that every doctor buys physician malpractice insurance coverage. This plan protects doctors from any legal issues they may have with their patients. The provider agrees to pay for damages if the doctor causes injury to a patient either through negligence or by accident. You should choose a plan that meets all your needs. Be sure to compare several plans and choose the best plan available.

Pay $30 For Gap Auto Insurance

Sam Streubel — Thu, 22 Dec 2011 19:22:56 +0000

Gap insurance auto coverage is necessary only when the following two conditions are present:

1. You finance the purchase of your new or used vehicle.

2. You make a down payment of less than 20%.

And if you take advantage of one of the many 0 down/60 month financing offers you definitely need gap coverage.

But even if you do need gap insurance, it is only necessary for as long as the outstanding loan balance exceeds the actual cash value of your car. In most cases this means a period of 21/2 to 3 years. Usually by the end of the third year of payments your vehicle’s loan balance should approximate the cash value of your auto.

At this point the gap insurance could be discontinued; but only if it was purchased as a rider to a comprehensive policy sold by an insurance company.

If, on the other hand, you purchase gap auto insurance coverage from a dealership it cannot be cancelled because you make a one time, up front payment.

Another significant difference between purchasing gap insurance from an insurance company or dealership is cost. Gap insurance coverage purchased through a dealership can cost anywhere from $500 – $700, while the same coverage purchased through an insurance company will add only 5 or 6% to the cost of your collision coverage, or about $30 per year.

So if your loan balance and the cash value of your auto reach parity in 3 years as suggested above, you will have paid a total of approximately $90 for gap coverage as opposed to hundreds of dollars more for coverage from a dealership.

Now, as if $30 a year wasn’t reasonable enough, it is possible to reduce this amount even further. Since the cost of gap auto coverage is a percentage of the cost of comprehensive coverage, the less you pay for comprehensive collision coverage, the less you will pay for gap.

This presents a win, win situation for every new car owner in need of gap insurance; especially if you have the time to compare multiple quotes from insurance carriers currently competing for your business.

But not all insurance companies offer gap insurance auto coverage. For those who do, please see this list of gap insurance providers.

What Is Medical Student Liability Insurance?

studio747 — Fri, 11 Nov 2011 06:43:11 +0000

Liability insurance for medical students is essentially the same as medical malpractice insurance for students, which covers a medical student if he/she is sued for malpractice. Although doctors or physicians are responsible for the students whom they supervise, there are times when the student would be named in a malpractice lawsuit, which could make them personally responsible. Because of their inexperience, medical students face a high risk of being sued for malpractice.

According to the Institute of Medicine, between 44,000 and 98,000 people die in hospitals annually each year because of medical errors. These errors could have been prevented. Who knows how many of these incidents involve a medical student.

If you are a medical student, it’s likely that you don’t have the money for legal costs if you were to be sued for medical malpractice. You’re probably well aware that medical malpractice lawsuits are costly. That’s why it’s important to purchase student liability insurance. This insurance cover fees to your attorney, court-related fees, and any damages if you are convicted of malpractice.

The majority of medical schools in the U.S. do require that you purchase liability insurance if you are accepted into their school. You can either pay for insurance directly to the school if they offer it (few do) or you can buy your own insurance.

There are a variety of insurance providers who can help you find affordable medical malpractice insurance. However, not all companies are alike. When shopping for insurance, take into account the quality of service that each company provides. Ask questions and make sure you understand what exactly your policy covers.