Friday 4 January 2019

Advantages of using Debt Management Services


Benefits of Using a Debt Management Company


It seems that debt management companies often get a bad rap, but when you look at what a debt management company can do for you, your financial situation, and your sanity, it seems that there are many more benefits to using a debt management company than many people would like you to believe.



 Benefits of Using a Debt Management Company
Interest rates and payments may be reduced – when you use a debt management company for help with your debts, your interest rates can be reduced, which in turn reduces your payments. Even better, instead of multiple payments, you may qualify for debt consolidation, which gives the added benefit of reduced number of payments per month. For example, if you previously had 4 credit cards that you were making payments on, your debt consolidation payment may combine all 4 of those payments into one payment. And the new payment may even be lower than the sum of the 4 payments. This is more convenient and will help to keep you more organized in your debt reduction process… in addition to keeping more money in your pocket.

When going through a debt management company, you could see some relief from creditor calls. Even better, you will receive relief from many creditor fees. If you’ve ever been sent to collections, you know the feeling of that pit in your stomach when your phone rings and you don’t recognize the number. Collection calls are not fun and can even be intimidating, but by utilizing a debt management company, they will try to work with the collections agencies.

What Naysayers Say About claim and  Debt Management Companies

 It seems that debt management companies often get a bad rap, but when you look at what a debt management company can do for you, your financial situation, and your sanity, it seems that there are many more benefits to using a debt management company than many people would like you to believe.
 Benefits of Using a Debt Management Company
Interest rates and payments may be reduced – when you use a debt management company for help with your debts, your interest rates can be reduced, which in turn reduces your payments. Even better, instead of multiple payments, you may qualify for debt consolidation, which gives the added benefit of reduced number of payments per month. For example, if you previously had 4 credit cards that you were making payments on, your debt consolidation payment may combine all 4 of those payments into one payment. And the new payment may even be lower than the sum of the 4 payments. This is more convenient and will help to keep you more organized in your debt reduction process… in addition to keeping more money in your pocket.

 When going through a debt management company, you could see some relief from creditor calls. Even better, you will receive relief from many creditor fees. If you’ve ever been sent to collections, you know the feeling of that pit in your stomach when your phone rings and you don’t recognize the number. Collection calls are not fun and can even be intimidating, but by utilizing a debt management company, they will try to work with the collections agencies.

What Naysayers Say About Debt Management Companies

While some people may complain that debt management services take longer than just paying down your debt yourself, you need to ask yourself the serious question of whether this is true or not. Maybe you have been trying to pay down your debt by yourself for quite some time, only to look at the total figure and notice that it’s not decreasing as rapidly as you think it should. A qualified debt management company is trained to create a debt management program that will work for your particular situation so you can get a better handle on your debt and pay it down  more efficiently than if you were to do it on your own. If you are not skilled in this task, it can take substantially longer to pay down your debts, and you may risk harming your credit score in the process. Truth be told, many debt management companies offer programs that can be completed quickly if so desired, obviously the duration depends on your particular financial situation, but you won’t know until you ask.

Others will claim that by hiring a debt management company, you are paying for something you can do yourself.  That’s not entirely true.  A reputable debt management services provides a service, yes, but many other companies provide services that people use every day for things that they could do themselves, as well.  Do you ever order takeout? Pay for car service? A debt management program provides a valuable service, just like any other service provider. A debt management company, however, provides a service of necessity rather than convenience. They provide a service that helps you to get out of a bad financial situation, and they are much more equipped to deal with creditors than you are.  They know who to speak to, what to ask for and what programs you may qualify for.  This is invaluable information that can help you reduce your interest rates, payments and maybe even your amount of debt… Not a bad deal.

If you are in a position where you can no longer make your monthly credit card, medical bill, and/or other loan payments, contact us best claim and debt management services today. We can help you with your get your debt problem under control and get you on the right path to financial independence.




Tuesday 1 January 2019

How to Choose Top Health Insurance consultant In India ?


How to Choose Top Health Insurance ?


 Best Health Insurance is an effective way for individuals to plan for uncertain medical expenses / treatment. Health insurance have many benefits for the individual and the family, provided you are careful in choosing the best mediclaim policy.

It will take place many of health insurance options in India, so selecting the best health insurance policy is never easy. 

Choose the best health insurance policy that is optimum for your needs and covers you adequately, is very important.



A few points you ought to consider in your quest for the best health insurance plan in India:


1.        Understand Your Needs

 

The most major step is to analyze your own requirements with regards health insurance. This included performance a roundup of the number of members in the family, number of children, number of seniors, common medical / hereditary problems impacting the family and so on. This path you have a fairly good idea about how much chasing you and your family need.

2.        Sum Assured


This is the health chasing cover of the health insurance policy. The policy refund expenses on medical treatment up to the sum assured. A higher sum sure is preferable since that leaves you covered for a larger amount against medical emergencies. This is mostly true, if you are living in a metro or a tier I city, where medical expenses are significantly higher than tier II / tier III cities. However, you need to be aware against being both over-insured and under-insured, so it’s best to strike a balance by starting with a reasonable cover and enhancing it with a rise in income and family size.

3.        Coverage of Illnesses


Make sure the health insurance policy covers a larger number of disability; particularly critical Illnesses since they are the ones that need particular care and can be very expensive to treat. Look particularly for disability and medical conditions common in the family, like diabetes or cancer for instance. Also, review the terms and conditions related to special case – i.e. disability not covered by the policy like pre-existing illnesses and so on.

4.        Hospital Network


Your health insurance policy should have a broad network of hospitals and must particularly include the better ones in your neighbourhood. When reality admitted in an emergency it helps to have access to the best hospitals in the vicinity. There are important to go for a medical insurance plan with a wider network of hospitals specializing in a range of treatments.

5.        Tenure of the Health Plan


Understand the tenure of the health policy particularly the renewal part. Health policy of life insurance companies can be renewed every three years or even more depending on the plan. On the other hand, medical policies of health insurance must be renewed every year. Go with the health insurance plan that is convenient to renew – if you are a very busy person an extended renewal plan works best.


Monday 31 December 2018

what benefits under employee group health insurace?


What benefits are available under Employee Group Health Insurance?


The employee group health insurance is the medical insurance plan that provides health care coverage to all the employees of a company. In some cases, this policy also covers families of the employee. It is one of the major perk benefits that is offered by the companies to hire talented staff. The group health insurance plans are uniform in nature, i.e. they provide the same


Here are the benefits that are available under the employee group health insurance:


·         Avoid undue hassles since no medical check is required for the employee as well as for the family;
·         You are eligible for all the maternity benefits immediately from the start of the coverage;

·         No need to shell out money for expensive health cover from your pocket. Even, if you need to pay a part of premium yourself, it is relatively cheaper and beneficial to opt in;

·         There is no concept of waiting-period in group plans, i.e. even the pre-existing medical conditions are also covered from the start.

·         Tax benefits are available to the companies that offer group health insurance to its employees;
·         Helps in attracting talented potential hires and keeps the existing employees motivated.

Case withBenefits of Employee Group Health Insurance

Mr. Ram Sahni has been working as a Manager with ABC Ltd at an attractive salary, but the company did not offer any health care plan to its employees. So, to cover the risk of unexpected medical expenses, he took a health coverage plan for him and as well as his family (including is his father aged 55 years) by paying Rs. 50,000 for a year.

To complete the process of buying the policy, he along with the family was required to do a medical screening and during the screening, it was diagnosed that his father is suffering from diabetes which will require a dialysis soon. So, diabetes being a pre-existing medical condition will not be covered by the insurance company.

Mr. Ram got into some misunderstandings with the management of ABC Ltd. due to some performance issue, and he resigned from the job. Then, he joined the XYZ Private Limited where he was also offered employee group health insurance plan as a part of his compensation package.

He decided to cancel his existing health insurance from outside which saved him Rs. 50,000 p.a. and even learned that all his father medical expenses will be taken care of by the employee group health insurance as it covers the pre-existing medical conditions as well. Also, in this course of a job change, he came to know that his wife is pregnant and now all his maternity expenses will also be taken care of by the group insurance.

Even though the job change was a stressful and anxious period for Mr. Ram and his family but it helped them save a big amount of money that was needed for paying medical bills.



Friday 28 December 2018

Top Hospital Marketing services India


Best hospital marketing in india



The last financial year difficult one for most private healthcare services providers in India. The regulatory headwinds related to the capping of prices of stents and knee implants, the extremely negative media campaigns and unruly patient activism pegged back revenues and dented profits. The Prime Minister running a most undignified campaign of his own caricaturing Indian doctors as blood-thirsty parasites out to mistreat patients and highlighting the fact that he able to stop the rot through legislative action. In Delhi, the Chief Minister is busy rolling out his pet half-baked schemes and many states have come up with draconian provisions under the so-called Clinical Establishment Acts.


However, all this has left private healthcare providers in a hard place. They left with no option but to ruthlessly cut costs and scale back some long-term investments. Many re-working their growth and investment strategy. Marketing budgets slashed, head-counts being” rationalized” and various kinds of harsh cost control measures implemented.
Marketing costs and costs related to patient amenities in the hospital are perhaps the easiest to cut. They do not involve the pain let us say of reducing head-counts by handing out pink-slips. They also do not significantly impact patient outcomes.  A few lesser ads in the newspaper and maybe a water-bottle less in the patient room is unlikely to cause too much of pain.

This also the commonest mistake hospitals make.

Marketing activities and great patient experiences help spread the word around. Brand communication works quietly in pushing a particular hospital in the consideration set of new patients. It helps build perceptions about the quality of care provided by the hospital. It also helps position the hospital as a possible choice whenever the need arises. The messaging has to be continuously reinforced in an unobtrusive manner, gently working on the consumer’s mind, building the desired imagery of the hospital.
In times of turmoil, when an unforgiving media is hell-bent on creating issues where none may exist and when politicians are vying with each other in demonizing a reasonably well-working system the marketing communications put out by the hospital assumes greater significance. Patient stories in the form of nicely crafted testimonial ads can go a long way in reassuring new patients. Announcement ads related to the induction of new technology and equipment can inform patients about new choices available to them. A digital marketing campaign can help patients access the hospital services with greater convenience. A well-executed community outreach program can allow the hospital to enrol patients in long-term relationship programs, binding them together with the hospital.
Great patient experiences also work in a similar manner. Satisfied and happy patients are the finest brand ambassadors. Their credibility based on their own experiences counts for a lot more than any advertising would ever do. It is also foolish to assume that patients will not notice small things, which quietly disappear when stiff cost programs are executed. That nice friendly GDA who takes the wheel-chair, the missing dessert in the meals, the fraying blanket or the worn upholstery on the attendant’s sofa in the patient’s room will always be noticed. Discerning patients will be able to see through these”small” compromises and will definitely talk about them. This kind of talk is extremely detrimental to the brand equity of the hospital and is almost always impossible to fix later on.
Many years ago I had learned that there is usually a cost associated with cutting cost. Sadly, sometimes this cost is not visible at least in the short run. One has to be very careful while taking drastic cost decisions particularly when they look easy or simple. They often are not. The costs thus cut, have a way of coming back and hitting hard in the future. Marketing and patient experience costs usually return with a much greater vengeance and that too in the not so distant future.


Thursday 27 December 2018

HEALTHCARE MARKETING IN INDIA: Healthcare Industry


                    Healthcare Marketing India




India is a witness to a change. There is an accelerated growth of healthcare marketing industry with sprouting of hospitals, at a pace which, is, entirely difficult to fathom. The healthcare market is seeing both private as well as foreign investments as the Indian health care market is expected to grow by a rate of 15 percent in the coming 5 years. However the challenges faced by both the new or old hospital sectors are Healthcare marketing india.

  Healthcare Marketing India

More stress is laid out on the preference of service receiver as the ultimate goal is the satisfaction of the receiver who will in turn vouch for marketing by individual’s experience. Earlier, instead of value treatment the receivers were provided with volume treatment where stress was on quantity of patients being treated irrespective of the quality of care and treatment being provided to them. Thus, health care marketing incorporates various parameters that are specifically designed to acquire the right patients and form a long lasting relationship throughout the individual’s patient phase.

As a healthcare professional it’s important to generate high revenue keeping business objective in mind but not at the cost of devaluing the integrity of healthcare industry. Thus in today’s time it is primarily consumer driven approach like most other industries. It is important for a healthcare organization to build a unique identity to solidify their position in the market so as to have a distinctive identity compared to the competition. 

The challenging landscape of healthcare is in need of innovative strategies to create solutions that offer personalized value based healthcare experiences for patients and care providers.


Wednesday 26 December 2018

All you need to know about Health Insurance in India


Best health insurance in india


In India, many companies offer the benefit of group mediclaim policy to their employees along with other benefits such as bonuses, profit sharing, meal coupons, gratuity, and facilities like childcare, pension plans, work from home and more.

A Group Health Insurance plan is custom-made for each organization depending upon the requirements of their employees. This policy takes care of the expenses related to any health care services that the employees or their families (if covered) avail.



The default Sum Insured (SI) is same for every employee, however, employees are also given an option to increase the SI to suit their needs. The premium to be paid towards group medical policy is usually shared by the employer and the employee. But in some cases, the employer may also choose to bear the complete share of the premium amount, and thus providing the benefit of health insurance for free to all its employees.

health insurance consultant provides health insurance which is an agreement between an insurance provider and an individual wherein the former guarantees to take care of certain medical costs of the latter based on the investment made. Some plans offer health insurance for individuals while others offer health insurance for family and group. The Individual Health Insurance plan covers only one individual, the policyholder, who will gain the benefits of the health insurance for his investment.

Claim Procedure
The process to register your claim with this policy is similar to that of any other health insurance policy. You can either opt for the cashless facility at a network hospital, in which case the submission of the claim settlement related documents will be done by the hospital; or get the claim amount reimbursed by submitting all the required documents on your own.

While many of you might think that the health insurance provided by your employer is enough to cover you and your family, but it is not the case. Therefore we recommend that you opt for an appropriate health insurance policy, top-up policy & suitable add-on covers along with the group medical policy provided by your employer, so that you and your loved ones are adequately covered in case of any medical emergencies


Sunday 23 December 2018

what is medical tourism services in india?


How Medical Tourism Is Helping Healthcare Globally


With increasing availability of information and supporting infrastructure, the demand for medical tourism is rising. Individuals seeking medical attention outside their home region have grown steadily all over the globe. Medical tourism now an important sector contributing significantly to a big number of world economies.


 A few ways in which medical tourism is helping healthcare globally are discussed below.


Enhanced Methods Of Information Processing

 There is an increase in the availability of user-friendly softwares and applications for storing, retrieving and operating on data. This allows medical information and other relevant knowledge to be used efficiently, to draw inferences and improve transparency in the healthcare sector.

Systematically stored medical data of each individual helps doctors and diagnosticians to frame a unique course of treatment to minimize recovery period. With the view of enabling efficient document sharing, medical facilities invest in database sharing and maintaining services which help doctors in any country to view patient data to improve decision-making.

Before the limelight on global medical tourism was prominent, detailing of the information technology factor was lacking. With the advent of global tourism, knowledge processing as an asset to healthcare systems has become popular.


The Medical Tourism Company's services include the following:

  • Help with procuring a medical visa
  • Booking travel to the country where the services will be provided;
  • Airport pick up and drop off
  • Consultation with appropriate specialists
  • Pre-operation accommodation
  • On call nurses & doctor visit at hotel
  • Booking into the hospital for the operation
  • Accommodation for post-operative recuperation
  • Arrangements for post-operative care in the foreign country
  • Book travel home from the country where services have been provided
  • Arranging Travel insurance
  • Air Ambulance, In case of emergencies
  • Leisure Tours and local food during the entire stay
  • Translators for ease in communication with locals

What is the eligibility in easy policy health insurance?

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