Will My Private Health Insurance Cover Me Against Swine Flu?

Will My Private Health Insurance Cover Me Against Swine Flu?

by Zartiex Will My Private Health Insurance Cover Me Against Swine Flu? Swine influenza is a respiratory disease in pigs. The original virus spread to humans and has since been passed from person to person, with a number of reported cases now in the UK. There is no evidence that the disease has been found in pigs in the UK. The fact that the disease has now spread to humans in a number of different countries means that it is now in danger of becoming a pandemic flu outbreak. The word ‘pandemic’ refers to the fact that the virus is widespread, rather than the level of threat to humans. Cold and flu viruses are spread by coughing and sneezing, and therefore the Government has released guidelines on preventing the spread of the wine flu virus by disposing of tissues hygienically and covering your mouth when sneezing or coughing. The UK’s plan for dealing with the virus has been identified as one of the best by the World Health Organisation (WHO) and there is a large stockpile of antiviral drugs including ‘Tamiflu’ and Relenza’ which help to reduce the symptoms of swine flu. Is this covered by my private health insurance policy? According to the largest health providers, a case of swine flu would officially be covered under a private medical insurance policy, because it is a new, rather than a pre-existing medical condition. However, and this is a big however, many private hospitals would be reluctant to admit you with early symptoms of swine flu because of the duty of care they have to other resident patients.  Because Accident and Emergency facilities fall under the...
5 Tips To Buying Scooter Insurance

5 Tips To Buying Scooter Insurance

by Rob Speed 5 Tips To Buying Scooter Insurance Are you ready to have fun zipping around the road on your scooter? Many people throughout the UK choose to ride scooters, due to factors such as their manoeuvrability and fuel efficiency. After purchasing a scooter, you will need to secure UK scooter cover for it. Here are some helpful tips to accomplish that mission: 1. Learn how much cover is required: The type and amount of scooter cover required differs between regions. So it’s crucial to determine what the exact requirements are where you live. Besides learning how much cover is required by law, you can also save money by not purchasing cover that is not required. Most of us do not like spending more money than we have to, right? 2. Determine how much cover you want: Before shopping for scooter cover, take some time to determine how much cover you want to secure. You could get the minimum amount of cover required by law, or you could get more than that amount. Keep in mind that when riding a scooter, you are much more vulnerable to accidents than when driving a car or truck. So you might want to consider not only insuring other vehicles that could be involved in accidents, but also your own scooter and body. If you get extra cover and never need it, you shouldn’t have any regrets about that. 3. Consider how much cover the law requires: This is crucial, as you might receive a ticket if you do not have the minimum amount of cover required in your region. And keep...
Taking An Insurance Reduction Course

Taking An Insurance Reduction Course

by Zartiex Taking An Insurance Reduction Course The Point and Insurance Reduction Program also known as PIRP is a defensive driving course approved by the Department of Motor Vehicles. The program is available through private companies such as defensive driving schools throughout New York State. The course will help you freshen up on your driving skills and knowledge. There are now two options that are available, you can take the course in a traditional classroom setup or over the internet. No matter where or how you take it the course is at least six hours long. Information about traffic safety laws, defensive driving techniques, and driver behavior will be taught during the course. The course can be taken in one classroom session or multiple sessions. In order to pass attendance is mandatory. One of the benefits of taking the course is the eligibility to reduce as many as four points on your driving record. The DMV will be notified of your course completion within ten weeks from the end of the course. A notice gets entered on your driving record, and the computer at the DMV automatically reduces your points from your record. If you would like verification, you can request a copy of your driving record from the DMV. The point reduction is only applied to any violation that occurred within eighteen months before the completion of the course. If your license is revoked or suspended the point reduction wont affect that action. After you complete the course you should receive a completion certificate from the defensive driving school where you took the course. Take the certificate and...
Insurance Facts – Spontaneous Combustion

Insurance Facts – Spontaneous Combustion

by photo Insurance Facts – Spontaneous Combustion Some, but by no means all, ARPI policies contain a clause excluding spontaneous combustion, namely a fire brought about by the conditions produced within the substance itself.   The key element to spontaneous combustion is the creation of a fire without obvious external factors. Therefore, there have been doubts as to whether or not an insurance policy would cover such a loss, even if it was not specifically excluded. In other words, is spontaneous combustion a type of inherent vice and not created by the interaction of external forces? It is suggested that spontaneous combustion can only take place if certain conditions occur, such as an increase in heat. Therefore, to that extent, spontaneous combustion is not inevitable and relies upon certain favourable conditions existing.   In the case of Duncanson v. Continental Insurance Co., 69 DLR 4th 198; 20 ACWS (3d) 564, the Nova Scotia Court of Appeal was required to decide whether the expression in the policy “including self-ignition” enlarged the meaning of the word “fire” so as to include spontaneous combustion even when there was no fire. When heat was spontaneously generated by the cargo the Court of Appeal found that the words “including self-ignition” embraced damage resulting from spontaneous combustion. It commented that the policy extended the coverage beyond the ordinary meaning of the word fire and included the process before actual ignition takes place. The court looked at various definitions of ignition and spontaneous combustion. It adopted a definition of ignition as being the act of kindling or setting on fire; the act of operation of communicating...