One of the most important things in life is health insurance. In many countries
around the world, health care is paid for from taxes, and every citizen is
automatically covered. This is known as single payer healthcare. Unfortunately,
that is not the case in America, where a serious but treatable illness can be a
death sentence unless you have health insurance. This is why it is important to
be insured at all times.

To give you an for example, I knew a woman who was traveling in South America.
She chose not to have health insurance, figuring that since she was young and in
good health, she did not need it. In fact, she had hardly been sick a day in her
life. While touring one day, she began to feel nauseous and started experiencing
dizzy spells. These symptoms gradually became worse and when she could no longer
ignore them, she returned to the United States and immediately went to a doctor,
who diagnosed her with cancer.

A doctor's visit and a series of tests can, on its own, cost hundreds of
dollars. Cancer treatment can easily cost thousands, or tens or hundreds of
thousands of dollars. Because she was unable to afford an expense of such
magnitude she just became more and more ill, until she eventually, tragically
died. The outcome may have been much different had she been insured; her death
may have even been preventable.

Health insurance comes in several different arrangements. A fee-for-service plan
is the most traditional of those. The advantage of this type of plan is that it
gives you a greater range of choices than any other health care plan, and allows
you to go to any doctor you want. Each month you pay a premium. You also have an
annual deductible, perhaps $250 or $500, which is the amount of medical expenses
that you are responsible for in any given year, before your insurance takes
over. After that, they will pay for a majority of additional medical expenses
while you pay a small portion, usually around 20%.

Another type of insurance plan is called an HMO, or Health Management
Organization. In an HMO, patients are required to go a staff of doctors,
located in one or several central locations. The advantage of HMOs is that your
health costs will be much lower. However, you are greatly limited in the number
of choices you have, compared with a fee-for-service plan. There is a small fee
charged for each doctor visit, but your insurance covers most other costs.

Most people are insured through their jobs. Their bosses save money because they
are able to purchase insurance at group rates, thus enabling them to offer their
employees cheaper insurance than they could obtain on their own. Unfortunately
however, because of the way health insurance is structured, if an employee
develops a serious or chronic condition, they may be out of luck if they wish to
leave the company. They will be turned down by other insurers due to the higher
costs anticipated in their medical care, making it necessary for them to stay in
a job in which they may be unhappy.

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When a hockey player or coach goes overseas for a game in another country, have given serious consideration to obtain adequate medical insurance before their trip. Athletes from all sports are exposed to many dangers when traveling outside their country of origin, however, hockey players tend to be more vulnerable than most because of the approximate nature of the sport they play. Drop an unexpected illness or accident is not covered by medical servicessufficiently covered by existing insurance because of territorial limitations or high excesses. Depending on where you are driving, serious illness or injury can require that they be evacuated to hospital, or in the air in another country where medical services are better. Eliminate air tends to be very expensive and can easily be over $ 25,000. Although hockey players and coaches can do a lot of money in their area of insurance improper conduct of a massive financialLoad.

There are several types of insurance that all coaches and hockey players in particular must be before he met on the street and decides to travel outside of their country. They include medical, emergency dental treatment, emergency evacuation, emergency reunion, and repatriation of remains and of course lost checked baggage. Hospital doctors and hospitalization should ambulatory surgery, anesthesiology include doctor's fee, medications, diagnostic procedures,Oxygen, drugs and emergency local ambulance.

Emergency dental is one of those things that every hockey player, no matter what you see so many hockey players loose teeth in fights and driving on the ice should have. It should replace emergency dental treatment and emergency dental surgery, if necessary, or restore teeth. In case of emergency is something that has also been highly recommended for ice hockey players and coaches, as in the case of the host countries contribute toDisorders or in case of accident. In case of accident, may be cause for emergency or air transport to the nearest hospital.

Emergency reunion is in an accident, so it can be flown by members of the injured person to be with them while they are in hospital. It usually consists of a return ticket for the economy, in which the injured party has received treatment.

The repatriation of remains in case of the event thatHockey player or coach dies as a result of their injuries or illnesses, so that his body returned to their country of origin. Another fun thing to have all the hockey player and coach, looked lost luggage insurance. This is important because all the athletes who carry their equipment with them or at least a possibility to replace them, if not necessary. In the case of lost luggage, the insurance will pay to replace the luggage or at least theleasing of equipment, so that the game even more. The airlines have similar policies, but it often takes a day or two, or the funds are insufficient data. If you fly in a new country to play a game that night, you have no time to wait for the airline to have a little 'money to replace your contributions.

If you are a coach or player, is always a good idea to be prepared and have adequate insurance Hockey before leaving the country. You never know when youcan save lives.

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Why would anyone want to play, that their journey to uncover so much that insurance may be required? Nobody wants to, even after the model of abroad, becomes ill or an accident, always think of a way to delay and failure to take a connecting flight or bad weather has caused significant delays. In order to get my travel insurance you can get on a disaster, instead of helping her too. Here are some examples where travel insurance is valuable and whyState of the aviation of today require that you purchase travel fast track.

The airlines are reducing capacity - dramatically. Some smaller airports are few flights in and out, that if you miss your flight, you probably wait to get one or two days for others. Every night you have lost can cost $ 80-100 for a hotel room. And if you miss the flight is a once daily flight overseas, it is almost guaranteed that will not only be able to captureFlights or tomorrow, because this time, flights per day are usually initially oversold. When you fly standby, or as an employee of an airline, the danger is even greater than the last person to be considered for a vacancy. The end result is people are increasingly becoming "stuck" at the airport and look for spaces in the last minute.

Transfer to flight the next day (if possible), will probably be more expensive than paid for the ticket if you have recentlybought, or was not purchased at a sale price. I recently helped a customer moves from El Salvador to Los Angeles and San Francisco to Mumbai, India, and had lost the connection to Los Angeles. The next available flight was from SF, but not for 2 days, and it cost them an additional $ 1400 This is due to the $ 300 spent with us.

Trip cancellation insurance with this type of coverage that should be met in any increase in ticket revenues from fees and hotel rooms. SoOnly the $ 100 that would save nearly $ 2,000. Here, travel insurance is a necessity. Flying in bad weather in winter hazards viewed times. Cuts air service and reduce flights and seats means that the chances of catching such a duty on the floor (), the next few days are significantly reduced. And we have not yet begun any emergency is supported to explore.

It is not pleasant to think about these things, when all you want to do is your favorite holiday or you are dreamingDestination. Or even at home for that matter. When the odds are good that does not arrive, the weather and have a lot of options on other flights, insurance is a luxury that can not afford. But if they can not afford the $ 100 for insurance, how you want Suggest your credit card for about $ 1200-2000 more comfortable in co-payment rate on another flight? Or $ 6000 for charges of first aid to Spain or London? If your family would have broken the finances, then thinkInsurance additional complimentary as part of the cost of the ticket and leave on your way with a greater sense of peace.

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