Its very difficult for pregnant women in India. Only group or corporate maternity insurance is available. For housewives there is no pregnancy insurance available. Evn if they are insured from last 10 years they will not get any claim for a maternity or abortion. They hav to face all the expenses on ther own.
From few years I heard that 1 company Cholamandalam is provoding maternity insurance with some conditions. They have not publisice it so much that general public know about it.
Government should take some steps & some government companies should come in front to cover these expenses. Like LIC or New India Assurance etc.
These maternity expenses are a must & most couples face problems regarding this.
Why all insurance companies run away from this. In Usa maternity Insurance is easy avaialalable why not in India.
Fifteen percent of American women do not have maternity health insurance and face overwhelming medical bills, especially if there are medical complications. Here's how to get low cost maternity health insurance that could save you from financial disaster.
What is maternity health insurance?
Maternity health insurance is a health insurance plan that includes maternity coverage. As of this writing there are no stand-alone maternity health insurance plans.
You can purchase one of the following types of plans to get maternity coverage:
* An indemnity plan which lets you choose your own doctor and hospital, but is the most expensive type of plan.
* A managed health care plan (HMO, PPO, POS) that assigns you to a network of doctors and hospitals that you use for your medical care. These are the cheapest types of plans.
What does maternity health insurance cover?
Standard maternity health insurance policies cover your doctors expenses, your hospital fees, and your prescriptions drugs - basically all your maternity medical expenses.
Can I get maternity health insurance if I'm already pregnant?
Private insurance companies will not insure you if you're already pregnant, but some states offer Medicaid health insurance, or plans such as California's Medi-Cal, to low income families. To see if your your state has a low income maternity health insurance program, visit your state's department of insurance website.
If you're pregnant and don't qualify for state sponsored maternity health insurance, the best thing you can do is call the hospitals in your area and see if you can negotiate a cheaper than normal rate. Most hospitals will give you a discount if you pay cash.
Nevertheless, thousands of employers across the country have begun offering domestic partner benefits in the last several years, and the number continues to grow. Employment experts predict that this trend will continue, as small companies start to follow the lead of large employers that have introduced domestic partner benefit plans in recent months. In addition, some state and local laws have recently been passed in favor of domestic partner rights. San Francisco, Los Angeles, and Seattle have ordinances requiring all businesses with municipal contracts to offer same-sex benefits if they offer benefits for married couples. Vermont recently enacted the country's first "civil union" law, which grants same-sex couples nearly all of the benefits to which the state's married couples are entitled. Provisions regarding health insurance are still being written, and it is not yet known what they will entail. When benefits are offered to domestic partners, the level of coverage varies depending on the employer. Domestic partner benefits may include long-term care, group life insurance, family and bereavement leave, and most commonly, health, dental, and vision insurance. The definition of domestic partner may also vary from employer to employer. Some companies include same-sex couples, unmarried opposite-sex couples, and common law marriages. Others cover only same-sex partners on the grounds that opposite-sex couples can receive spousal benefits by getting married, while same-sex couples do not have this option. Regardless of how the term is defined, employers typically require domestic partners to sign an affidavit stating that they are in a lasting, committed relationship. They may also require that a couple live together for a specified period of time before they become eligible for domestic partner benefits. 
Generally, and unfortunately, if an employer offers health insurance coverage to the spouses of employees, they usually don’t extend the coverage to unmarried partners too. Under the Employee Retirement Income Security Act (ERISA), employers are not required to offer health insurance to any employees, spouses, or "domestic partners" (this term is often used to include same-sex couples and unmarried opposite-sex couples, as well as common law marriages). ERISA also does not compel employers that provide health insurance for employees and legal dependents to extend coverage to domestic partners.
"A huge victory for consumers" is how Peter Vicary-Smith, head of Which?, hailed the latest payment protection insurance (PPI) proposals from the Competition Commission. No wonder. As Thisismoney.co.uk notes, the "charge sheet against PPI" (which is meant to insure you against being unable to repay a loan or credit-card balance if you fall ill or lose your job) is long. Complaints about Britain's 13 million policies include that it's "overpriced, sold to people who can never claim on it, sold with no cancellation clause, and often ineffective". It's also often "forced on customers by pushy sales staff".
The statistics are grim. Only 14% of PPI premiums are returned to customers as a result of successful claims – that's compared to 78% for car insurance and 54% for home insurance. And as Caroline Binham reports on Bloomberg, the regulator found in June that PPI providers overcharge customers by £1.4bn a year, against annual sales of £5.5bn. So what's changing? The Competition Commission stopped short of banning PPI altogether. But it is banning "single premium policies", where the premium is paid up front and often added to the original loan as a lump sum. Providers will also be stopped from pushing customers to take PPI immediately. They will have to wait 14 days and tailor any quote to ensure the policy is suitable.
Fine, say the banks – but loan rates will rise because the income from PPI sales often subsidises interest charges. And the changes come just as people need cover going into a recession. This is "nonsense", as The Independent's Julian Knight puts it. There's "never a good time to be mis-sold a policy". The extra transparency should stop millions from buying cover they either don't need, or that doesn't do what they expect. If you think you may have been sold an unsuitable PPI plan – some campaigners reckon there's a problem with up to half of them – you can complain to the Financial Ombudsman
Getting your first insurance policy for your car may not be a priority, but it should be. Your first car insurance policy protects one of your first investments, your car. But buying your first insurance policy for your car can be complicated and often new car insurance shoppers fail to compare car insurance rates and in turn fail to reap the financial benefits of finding the best and affordable car insurance available to them.
Shopping for Your First Insurance Policy: Who Needs Car Insurance?
The question asked by most people shopping for their first insurance policy is who needs an insurance policy and why? The answer is simple: it’s the law. The DMV (Department of Motor Vehicles) requires that you take financial responsibility for owning and operating a car in all fifty states. Car insurance protects you when you cause property damage or bodily injury to someone else when driving your car. If you are caught driving without car insurance you will be charged hefty penalties. Violators can face up to hundreds of dollars in fines for a first time offense. Also, if you are involved in an accident and do not have car insurance, your license may be suspended whether you are at fault or not.
Understand Your First Insurance Policy
Now that you know you know how important it is to get your first insurance policy for your car, you will want to understand how car insurance works before you start deciding on which company you will choose for your first insurance policy. The best place to start is Auto Insurance 101. This article will take you step by step in understanding car insurance. Once you understand how car insurance works and have an idea of what type of car insurance you need, you are on your way to the next step of finding the best and most affordable car insurance for you.
Just Because it is Your First Insurance Policy, that Does Not Mean You Have to Pay Too Much
This is often where first insurance policy buyers get sucked into paying too much for their car insurance. Don't just assume since you are purchasing your first insurance policy that you will have to pay extremely high premiums. Yes, you will pay higher premiums than people who have had car insurance for some time, but that does not mean you can not find affordable car insurance. You ask then how does one find the best and most affordable car insurance? Here is a checklist of ways to find affordable car insurance and the best first insurance for you:
Tips for How to Find the Best Affordable First Insurance
- 1.Compare first insurance rates online and locally.
2. Know what you need and how much of a first insurance policy so you don't buy more than you want.
3. Tell the car insurance company that you are comparing X amount of companies so they know that you are looking for the best deal.
4. When shopping online or locally for your first insurance policy, make sure you know what car insurance discounts you may be eligible for. If you are unsure, ask the insurance agent of all their discounts.
5. If you are choosing full coverage car insurance, remember the higher your deductible, the cheaper your car insurance premium will be.
6. If you feel an insurance company or agent is treating you unfairly or breaking the law, know how to file a complaint.
The government hopes a new loan forgiveness program will give students an incentive to consider a career in public service. In exchange for 10 years on the job in a field of public service such as public safety, education, or social work, the Department of Education will erase certain borrowers’ remaining federal student loan debt.
To be eligible for this initiative — the Loan Forgiveness for Public-Service Employees Program — you must have either taken out or consolidated your federal student loans through the federal Direct Loan Program, in which you receive your student loan directly from the government rather than through a third-party lender.
Breaking It Down: How the Loan Forgiveness Program Works
The loan forgiveness benefit is available for any federal consolidation loan or any federal parent or student loans you’ve taken out through the Department of Education’s Direct Loan Program. If you took out your federal college loans from a private lender through the Federal Family Education Loan Program (rather than directly from the government through the Direct Loan Program), you’ll have to consolidate your FFELP student loans into the Direct Loan Program in order for those student loans to be eligible to be forgiven.
In addition to holding a federal Direct loan, you’ll also have to meet certain borrower requirements in order to qualify for the loan forgiveness program:
Spend a decade in a public service career. You must remain in a qualifying public-service career, working full-time, for 10 years, during which you must be making payments on the student loans you’re looking to have forgiven. You must still be working in the public-service sector at the time your student loans are forgiven.
Hit the 120 mark. During your 10 years of full-time public service, you must make 120 monthly payments on the Direct college loans you want forgiven. Only payments made after Oct. 1, 2007, will count toward the payment requirement. If you have FFELP loans (college loans that you took out from a private lender and not from the federal government) that you’re consolidating into the Direct Loan Program, you’ll only be able to count the payments you make on your Direct Consolidation Loan after your FFELP student loans are consolidated. Any payments you’ve made prior to Oct. 1, 2007, or to any lender other than the federal government won’t count.
Sign up for a qualifying repayment plan. Your required 120 payments must be made under one (or a combination) of three repayment plans: standard repayment, income-contingent repayment, or income-based repayment, which becomes available July 1, 2009. If you’re enrolled in a different Direct Loan repayment plan, only those payments you make that are at least equal to the monthly payment amount you’d be required to make under the standard repayment plan will count toward your 120-payment requirement.
The Fine Print: How You End Up Paying Off Your Student Loans Yourself
If you’re considering applying for the loan forgiveness benefit, you may want to look into your eligibility for the income-contingent and income-based repayment plans, which allow low-income borrowers to qualify for lower payments and extend their repayment period to 25 years. Only borrowers who are making reduced monthly payments on an income-contingent or income-based repayment plan will likely have a remaining balance left to forgive after making 120 payments on their student loans.
If you’re in the standard repayment plan, which has a repayment term of 10 years, you may find that you don’t have any student loan debt left to forgive after meeting your 120-payment requirement, since your 10-year repayment term is the same amount of time that the government requires you to hold your public-service job before any of your student loans can be forgiven.
What Qualifies as Public Service?
Public-service fields eligible for the loan forgiveness program include:
- Military
- Emergency management
- Fire departments
- Law enforcement
- Public library sciences
- Public school education
- Public child care
- Public health
- Public service for the elderly
- Public service for individuals with disabilities
- Nonprofit work with certain tax-exempt organization
Web Loans can save a lot of your time, money, and give you fast and easy access to top lending companies in the market. There are quite a few loan products available but they usually fall into the category of secured and unsecured loans. People search for web loans to cover their financial needs such as buying a car, doing home renovations, going on a holiday, or consolidating a number of outstanding debts on store and credit cards or loans
Secured Web Loans
If you are a homeowner, you can submit an application for a secured web loan. These loans are arranged using your home as security or collateral and as the lender has your home as security against the loan, they will recommend lower interest rates. A mortgage loan is also a secured loan because the lender has the property as assurance until it is paid off in full. There are two kinds of mortgage Web Loans; interest only and repayment mortgages.
Unsecured Web Loans
Unsecured Web Loans are offered at competitive rates from loan companies but interest rates are higher as compared to secured web loans because the lender is not given any insurance or collateral to back up the loan. Even if it appears that you are not taking much of a risk with unsecured online loans, in practice, the lender can still extract proceedings against you if you fail to pay and default the loan.
As with any other loan, you are the one responsible for the repayment of your web loan in full. Not doing so may affect your credit history adversely and you may end up losing your property depending on the amount and type of loan. Having insufficient knowledge of web loan process is not enough for you to be able to make a decision. Do as much research as possible beforehand so you understand the process of online applications and the terminology involved. Time spent doing so will be well worth it. It will also help you avoid any unpleasant surprises and hidden costs and charges. Research and shopping around help you understand the market trends and the deals that may be available to you. Doing all this online for a web loan is even easier as you do not have to go anywhere. Have a clear idea of your financial constraints and prospects as you may have minimal contact with a person if applying for a web loan.
Online web loan application process is very simple nowadays. You can apply online and get results very quickly. It may be followed up by a call from the lender to verify all your information and to answer any questions you may have. You should ask any questions you may have and get all the information you need. They may ask you to visit their office personally after that to have a meeting. It provides an opportunity for you clarify further any issues you may have. In some cases, your application may be approved without you having to visit any offices. Convenience is an advantage provided by web loans.Bad credit personal loans if its possible how and were? all over the internet they say you can get a personal loan no matter what your credit is, if so then who can testfi and what company did they use because I dont know anyone that has got a personal loan with bad credit prove me wrong tell your story and were. i know i may have had some problems but when will and how can i get some help.....
- DO NOT USE THE COMPANIES TO GET A LOAN which generally have extremely high interest rates.
- It is possible to get a loan with bad credit. If accepted, be prepared to pay a high interest rate. That's the name of the game: Good credit = lower interest rate & bad credit = higher interest rate. I would not recommend getting a loan over the internet unless you really understand the ins & outs. Going to a bank is better. They can answer any questions you might have and explain more of what you are getting yourself into. I have a friend that has extremely bad credit who got a loan, refinanced, and refinanced again. He is now currently walking away from his home because he can't make the payment anymore. Be careful and Good Luck!
- Find very useful info and tips on getting and managing credit cards on http://creditcardmanager.credithelperhom
- If you have cred it problmes, why would you want to borrow more money?
- Different companies have different stipulations about loaning money. Some will work with people who have worse credit than others. If you have poor credit, you may still be able to get a personal loan. Three things may be considered: 1) the interest rate, 2) amount they let you borrow, 3) what collateral you have in case you default on the loan. Before I owned a home, I wanted to take out a personal loan to pay down some student loans and credit card debt. Although my credit was excellent, without any major collateral (my car was worth only about $4000), no one would loan me money. Shop around, and hopefully you'll find something that's a good fit. Lastly, keep a co-signer in mind, if possible - this may help you get what you need.
- There are plenty of places that offer quick loans for people with bad credit with no-hassle applications and easy requirements. Some of these lenders even offer 1 minute approvals, and have both secured and unsecured loans, depending on your need and situation. Check the page listed below, it has information and bad credit lenders listed off and on. http://www.axalda.info/bad-credit-loans.html
- would YOU give some a loan with a very bad credit??? Me not! Don't destroy your future ... nothing is free in life. good luck.
- Maybe you can try below website to get the information you need. It's about bad credit personal loans articles for your second opinion.
- One of the fastest ways to get cash with bad credit, and little hassle, would be with a payday loan. Yes they have terrible interest rates but they are taking a risk. This site offers more details about the payday loans as well as various sites offering the loans, many without even a credit check. Do your homework. Best starting point is here: http://tinyurl.com/ypa66a Good luck.
From year to year the demands faced by senior insurance technology executives tend to evolve: Fads come and go, but the predominance of newer technologies over legacy systems manifests itself more or less gradually, showing up in changed emphasis on certain types of initiatives. As insurers respond to a business landscape suddenly altered by the financial crisis, however, the coming year will represent a departure from this pattern.
While the crisis began in the banking industry, the failure of AIG implicated the insurance industry in the eyes of the public, and subsequent devastating losses in the equity markets have hit many insurers hard with regard to their investment revenues. To the extent that the national and global economic picture worsens, insurers also face the possibility of declining premium income, as consumers cut back on insurance coverage and income products.
But the crisis will also create opportunities. Insurers will be opportunistic as they seek to continue transformation efforts and capitalize on the market opportunities created by the troubles of AIG and other insurers ravaged by the crisis. Insurance technology organizations will likely curtail many "nice to have" initiatives, but they will move with greater focus on core initiatives and customer-facing capabilities, and they will drive forward with increasing urgency neglected areas that were exposed by the crisis, such as risk modeling and enterprise risk management.
In this 2009 Insurance Technology Outlook, I&T's editors and an array of leading industry commentators explore how the challenges and opportunities created by the financial crisis will affect insurers' technology strategies. Among the topics examined are the effects of the crisis on budgets and spending; the likelihood of new regulatory demands; intensified demand to advance technology capabilities for risk management, regulatory compliance and organizational transparency; the need to support M&A activity; and the challenge of advancing critical work in progress to replace legacy systems, deploy analytical capabilities, and improve service for consumers and distributors.
Every year, misinformed homebuyers, often first-time purchasers or seniors, become victims of predatory lending or loan fraud. Below you'll find the top ten ways to avoid becoming a victim yourself
. 
1. Take your time and shop around. You should be able to compare prices and houses. If a lender or broker tells you they are your only chance to get a loan or owning a home, don't do business with them.
2. Do not sign a sales contract or loan documents that are blank or that contain information which is not true.
3. Be certain that the costs and loan terms at closing are what you originally agreed to.
4. Do not be talked into lying about (or choose to lie) about your income, expenses, or cash available for downpayments in order to get a loan.
5. Watch out for higher-risk loans such as balloon loans, interest only payments, and steep pre-payment penalties.
6. Be careful about disclosing things like your need of cash due to medical, unemployment or debt problems. You are very vulnerable in these cases.
7. Don't strip your home's equity by refinancing again and again when there is no benefit to you.
8. Beware of false appraisals.
9. Do not let anyone convince you to borrow more money than you know you can afford to repay. If you get behind on your payments, you risk losing your house and all of the money you put into your property.
10. Get several quotes from multiple brokers or lenders so you know you're being charged a fair interest rate based on your credit history, not your race or national origin.
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