Health Insurance – Boon For Senior Citizens by Mike James Soni

May 11, 2013 by · Leave a Comment
Filed under: Articles 

Water, Water everywhere but not a drop to drink! That was how Senior Citizens  felt some years ago when the Health Insurance companies were selective to cater  to them. With better medical conditions, people are able to live longer and  healthier. However, age does bring some health related issues that needs to be  taken care of.

There was a time when people after 50 years of age were generally not  considered Insurable or were considered high risk. So, if anyone wanted to get  health Insurance, the policy was either denied or was issued with various  exclusions on Pre-existing diseases.

With the emergence of various Insurance companies, the Insurance segment for  Senior citizens has also opened up. It is a boon for them to be able to plan and  take their health in their own hands. The Insurance companies have started  considering senior citizens as a potential market and address their need for a  Health Insurance product. Insurance Regulatory and Development Authority (IRDA)  has also taken various steps to boost the inclusion of senior citizens in the  health insurance sector.

There are some health insurers which cover the senior citizens with no cap on  the entry age, though IRDA’s directive is to keep at least 65 years as the  maximum entry age.

The Health Insurance segment is at nascent stage and hence arbitrary at  present/dichotomous in nature. Every individual has to undergo medical tests so  as to be considered for health insurance. The reimbursement for the medical  tests varies from insurer to insurer. Now, all insurers would reimburse 50% of  the cost of the tests if they issue a health policy to the customer. However,  there still are some companies in the market that cover a senior citizen without  medical tests up to a certain age and covers pre-existing ailments from first  year itself.

The Insurance companies would have to include all these clauses in the offer  document and explain to the customer what it means to them. With IRDA bringing  more transparency, consistency and accountability in the sector, the customers  would have more options to choose from and a better product to meet their  needs.

To know more about Health, Healthy living, Insurance, Health Insurance  products of Max Bupa “Heartbeat” please click the link below.

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Birthday Party Ideas for Senior Citizens by Criss White

April 25, 2013 by · Leave a Comment
Filed under: Articles 

Many people believe that once you get to a certain age a birthday becomes  another wrinkle on their forehead, or another grey hair on their head. This just  isn’t the case! There are many senior citizens who look forward to their  birthday almost as much as they did when they were young children. A birthday  becomes a milestone and a triumph when you reach a certain age.

For families that have a senior citizen getting ready to celebrate a birthday  there are many ways that you can make their day just a little more special and  memorable. You don’t have to have an elaborate birthday party, unless that is  what you think they would like, just a meaningful thought that can remind them  of how cherished they are to you.

There are four main factors to have a successful birthday party for any  senior citizen:

Guests

Many senior citizens have lots of friends and family. Consider having a  gathering at your local senior center, where everyone can join in the  celebration. Send out invitations to their closest friends and all their family,  oftentimes they will appreciate just being around the people they care about for  their birthday. For the senior who prefers a relaxed birthday event, you can  have just the immediate family and just a few of their friends to join in for a  more intimate celebration.

Food

Since it is their birthday it is best to have foods that the birthday boy or  girl will appreciate and like. A meal does not have to be elaborate to be a  success. Sandwiches or chicken and potatoes are always great, and be sure that  you don’t forget coffee and cake! Keep in mind the number of guests that are  going to be in attendance if you are planning a meal and ordering a cake,  everyone needs a piece!

Activities

For entertainment at the part you can offer various activities that are  favorites for the birthday senior. Some like to listen to live music and dance,  others enjoy playing cards, and some even like watching old movies. Whatever  hobby the birthday senior enjoys participating in will always be appreciated and  enjoyed.

Decorations

Decorations for senior citizens to not have to be elaborate either. Many will  enjoy simple balloons and streamers. However, if you want to get creative you  can create centerpieces have personalized tablecloths. It might even be a good  idea to create a slideshow or collage of the birthday boy or girl’s life and of  their friends and family wishing them happy birthday! This is an idea that they  can even keep with them long after the party is over.

There is no right or wrong way to celebrate the birthday of a senior. Keep in  mind however, that some activities or locations for a party may not be  appreciated or accessible for older seniors that have trouble moving a lot.

The idea behind a senior birthday party is to celebrate the long life of the  individual, and the respect and admiration others have for them. Despite this  some seniors still want to party like they were kids, so make it fun!

Criss White is a professional article writer and an avid baker. To check out  some holiday  cookies or some birthday cookies, visit My Baby Shower Favors.
Note:  You can reprint this article in your ezine, blog, or website as long as the  credits remain intact and hyperlinks remain active and dofollow. If you want  more articles, visit our site and click on the Contact Us link.

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Senior Citizen Travel Insurance: What You Need To Know by Jane Conway

April 24, 2013 by · Leave a Comment
Filed under: Articles 

Finding travel insurance can be difficult for anyone, but if you are over a  certain age, then you may discover that getting the coverage you need is even  more challenging. This article covers the basics of why finding senior citizen  travel insurance can be more difficult, and what specifics you need to look for  in your plan.

In the world of insurance, money talks. Money, and statistics. And according  to statistics, senior citizens are more likely to make insurance claims than are  younger travelers. This results in less money made and more money paid out by  the insurance companies. The result? They are reluctant to offer insurance plans  to travelers over a certain age. While some insurers cap their age limits at 65,  others may go as high as 70, 75, or even 80. Still, over a certain age, you’ll  be unable to get travel insurance with many agencies, no matter how good your  current health is. Other companies may offer coverage, but at higher costs, and  with fewer benefits.

Not only is travel insurance for seniors more difficult to find, there are  also a lot of needs and issues that you may need to think about in an insurance  plan. For example, older travelers are more likely to have preexisting  conditions that need covered. Many older travelers will also be bringing medical  equipment or medications with them. Things such as walkers, wheelchairs, or  prescription drugs, can be easily lost or stolen, and they can be difficult and  expensive to replace while you are traveling. A good senior citizen travel  insurance plan will have coverage for these things. Another thing to think about  as you are looking for your travel insurance plan is to look out for reduced  benefits. As mentioned above, it is not uncommon for insurers to offer higher  costs and less coverage to seniors. Make sure that you know the exact details of  the plan that you are purchasing,

If you are having trouble finding insurance through regular insurers, then  you may want to consider looking into specialty plans. There are a number of  companies out there that specialize in travel insurance for senior citizens. Not  only do they have no upper age limit, they also give you specific coverage that  is tailored to your needs as an older traveler. With these plans, it is much  easier and hassle-free to get coverage for your preexisting conditions or for  medical equipment. Many people also find that they have some insurance cover  through retirement organizations that they belong to. Check to find out what  coverage you already have.

The most important thing is to make sure that you have coverage when you  travel. You never know what medical problems, injuries, or disasters may happen,  and the last thing that you want is to spend your precious retirement years  burdened with financial debt.

Check out these resources if you need more information about senior citizen travel insurance, or age concern travel insurance.

Article Source: http://EzineArticles.com/?expert=Jane_Conway

 

  • Senior Industry Network Group Events

    Monthly SING Meetings are held the first Thursday of every month at our NEW location below:

    Desert Canyon - HealthSouth
    9175 W. Oquendo Rd.
    Las Vegas, NV 89148

    S.I.N.G. Agenda:
    - Coffee and bagels will be served
    - A time to show gratitude by thanking those who have sent you referrals
    - Announcements around the room
    - One minute commercials
    - Open Discussion on topics of Self Empowerment

    * When? The 1st Thursday of every month. Networking starts at: 8:00am | Meeting starts at: 8:30am

    * How Much? It’s free!