April 24, 2016 by Leigh St John
· Comments Off on Take a Number: Five Ways to Look at Age
Filed under: General
One for the Ages
Satchel Paige was a great baseball pitcher, one of the greatest of all time. He was an African-American and, due to the racial discrimination of the time, most of his outstanding career was not spent in the (white) major leagues. However, after the historic breakthrough by the courageous and talented Jackie Robinson (Mr. Paige’s junior by about 14 years), Satchel Paige pitched in the major leagues for a number of years. In fact, he was still able to get major league batters out at the age of 60! (Mr. Paige’s age at his retirement from baseball is not known for certain because no one, probably including Mr. Paige himself, knew his exact year of birth; some thought he was older than 60). Mr. Paige revealed a mind as sharp as the break on his curve ball when he asked this profound question for the ages:
“How old would you be if you did not know how old you are?”
These writings are dedicated to the memory of Satchel Paige and to all the so-called “over-the-hill” guys and gals in every sport and in every area of life, from Churchill and Reagan in politics to Jessica Tandy in acting and Paul McCartney in fatherhood. They and many like them in the past and present will be joined by many more in the future who are not really “over the hill” because they are too busy taking the hill.
Five Ways to Look at Age
The most common way to look at age is the Chronological. This is the one that everyone is familiar with. It is simply the time that has passed since your date of birth to today. It is the one that governments and insurance companies require of you and that your Doctor knows, even if your boy friend doesn’t. It is a unidimensional measure because it considers only time. It is uniform because everybody who is 48 years, 6 months, and 3 weeks old is exactly that, chronologically. People who view age only from the chronological perspective are somewhere between dumb and dumber.
True Age is another and better way to look at your age. True age is basically what a measurement of all the biomarkers of aging would reveal about you. Here’s four points about true age. One, if a well-trained physician did NOT know how old you are but reviewed a print-out of your biomarkers, she or he could accurately estimate your true age. Two, your true age is not uniform but varies by individual: you can be younger or older than your chronological age. Three, true age is multidimensional rather than confined to time. Four, absolutely nothing can be done about chronological age because it is fixed, but a great deal can be done about true age.
Appearance Age is the age you appear to be to others. It no doubt has some relationship to both chronological age and true age. Yet it is different. This is because it is heavily influenced by a number of factors outside the scope of biomarker measurement, not the least of which is attitude. We all know people that appear to be quite a bit younger or older than their chronological age. But the only scientific way to measure a person’s appearance age would be to have a representative sample of the population observe a person for at least a few minutes. A quick glance is not sufficient because appearance age includes factors such as movement of the body and alertness, not just a frozen face. Then the estimates from all members of the representative sample would be gathered, simple statistical measures applied, and Voila! You have the person’s appearance age. Of course, unless we are part of a study, none of us will ever get this scientific about it. We will just have to rely on random comments from friends, family, and nice or mean strangers to estimate our appearance age; and usually it’s a pretty good estimate.
A new way to look at age, which occurred to me awhile back, is what I call one’s N.E.A.T. age. This is simply one’s time left on the planet from right Now to the time of death. This age is unknowable by readers or anyone, except those committed to imminent suicide (and these poor folks are no more likely to take the short time remaining to do age calculations than they are to be caught dead reading an article about lively longevity). The best we can do is make a calculated estimate based on what we know about the general population and factor in any pluses or minuses that apply to us individually.
The N in NEAT of course stands for Now since the calculation is from the present, today, right now. E is for Elusive because I believe moments of time are elusive. As we humans try to hold or capture a moment of time it eludes us because the next moment is here, and then the next. Time and life are a flow.
The A in NEAT is for Allotted. Everyone who has ever lived has only so much time to live. Some have short lives, some have long lives, and some have lives neither particularly long nor short. But human life is finite and almost certainly will remain finite into the distant future if not forever. We do not need to take sides in the age-old debate about whether or not our allotted time is predestined by God in order to recognize that the amount is finite.
Of course, T is for Time. Time remaining is what it is all about. As has been oft noted: a millionaire on his death bed would gladly exchange his riches for a little more time, say one more day of healthy living.
So one’s NEAT age is one’s Now Elusive Allotted Time. It is a concept that provides a different perspective on aging and on life. For example, let’s suppose there was a 30-year old person named Terry and a 60-year old person named Sydney living in the same town in 1960. Conventional wisdom and simple arithmetic agree that Sydney was twice as old as Terry at that time. Such wisdom carries the (usually) unstated assumption that Terry is about 30 years further from the grave than Sydney. Statistically, this is difficult to argue with. But statistics are oft off for an individual and sometimes by a wide margin.
Let’s suppose that Terry had a lifetime of very bad health habits and, never having had the opportunity to read my writings, continued the very bad habits. Poor Terry expired a little shy of 40. (The same fate could have befallen Terry due to a dreaded disease or tragic accident.) Sydney, on the other hand, decided at some point to lead a health-conscious life. Sydney made good choices and stuck with them. Sydney enjoyed basically good health beyond age 100 before passing on. When Sydney was 60 and Terry was 30, Sydney had a NEAT age of 40+ and Terry had a NEAT age just under 10. So way back in 1960, who was younger: the one with less than a decade of life left, or the one with more than four decades of vibrant life left? One of the neat things about the NEAT age is that the bigger this age number the better.
The fifth and final way that we will look at age is one’s Ideal Age. Your ideal age is your age of choice, your preferred age. The concept of ideal age brings us back to Satchel Paige’s question:
How old would you be if you did not know how old you are?
In a sense, perhaps most of us do NOT know how old we are anyhow. Sure we know our chronological age, and some of us have a rough gauge of our appearance age. But few of us know our true age, and none of us knows our NEAT age. So it should not be so difficult to put chronological age aside for a few moments and answer Mr. Paige’s question.
Before leaping to an answer like 21, keep in my mind that successful living usually involves a combination of physical vigor, mental acuity, and wisdom. Personally, my ideal age is 37; thus even at my next birthday I will still be one year younger than all the women over 40.
What about you? What’s your number? What’s your ideal age? The way my anti-aging program works for you is that after reflection you establish your ideal age. Then we work with all the tools and techniques of the program to bring your true age into ever closer alignment with your ideal age. There is a balance to be struck. A 90-year old reader shooting for an ideal age of 19 is setting up way too much of a challenge and thus is setting up for failure. A 50-year old reader settling for an ideal age of 45 is not challenging herself or himself enough.
Take a number.
Satchel Paige was the impetus for me to write the close to this article:
When it comes to matters of age,
It is best to take a page out of Paige,
And move forward with grace,
Paying no mind to this myth of the human race.
Gary Patrick is a certified anti-aging professional (Giovane Medical Services). He is also an author, hypnotist, personal trainer, and speaker. Free stuff is available for a limited time at his web site: [http://rapidresults.biz]
Article Source: http://EzineArticles.com/expert/Gary_Patrick/18668
I remember reading a news post once about a man in Florida that was arrested in a Life Insurance scam. It had been estimated that he had stolen millions in Life Insurance money from our senior citizens. Just thinking about the story infuriates me, and inspired me to give a few pointers out to seniors considering the purchase of a policy.
One of the craziest facts about the story aside from the stolen money is that he worked in a large financial group. I know that a scam can happen in any business structure but I was expecting it to be a door to door insurance salesman. When I say that, it’s not to take shots at those type of salesman; I used to be one, but those were my expectations.
First let’s take a look at a few of the reasons why seniors would need Life Insurance, and then how they can make sure they don’t get taken advantage of from a few idiots who call themselves salesmen.
There are several factors that could bring about concerns for seniors to leave money behind to loved ones.It is a way for them to cover final expenses for a proper burial and not leave the responsibility to loved ones, they can leave a lump sum of money to heirs that will be tax-free upon receipt, they could be raising grand babies that will need financial assistance, or it could be to just make sure money is in place to cover excess debts if they were to suddenly pass on.
The only drawback to getting Life Insurance as a senior is that finding a low costing policy is not impossible but it can be difficult.The best thing you can do is see if a trusted family member or friend knows an insurance agent or you can spend some time reading to learn about life insurance yourself.Then, go to a few websites or call around to shop to some of the agencies.
There are a few companies that will not allow seniors to purchase a term policy. With those companies the cut off age is usually about 65 and up. With the companies that do allow it, it will be more expensive.
9 times out of 10 seniors will be required to accept a whole life policy. Seniors should keep in mind that in order for them to pay off a whole life policy, the contract has to be maintained for 10 years.This time commitment does vary with a few of the insurance companies.
Here is a few question seniors should ask when considering a Life Insurance policy:
Does the company require a medical exam?
Are monthly premiums locked in for the life of the policy or will they increase with time?
Can I continually renew the policy for the life of the contract?
What are the specific renewal requirements?
Can the monthly premiums be waived in the event of disability or injury that limits my income?
When will the beneficiary receive the death benefit? (Some policies require the insured to be alive for 3 years before the beneficiaries received the face amount. If the insured dies earlier than the requirement, they will receive all of the premiums paid into the policy plus 10% interest, which is still better than putting the money into a bank account that wouldn’t give as much interest.)
Seniors just need to make they plan and effectively select a good policy, to give themselves that peace of mind in knowing that their loved ones will be protected financially in the event of their death. It’s sick to know that there are scam artist out there that will take advantage of those good intentions. But I do want to point out the fact that there are many good insurance brokers who will sincerely help people with finding the best policy to fit their families needs and more importantly their budget.
It is my pleasure to help Americans enjoy their retirement years with financial security. I care about providing products that protect you and your family. I am committed to ensuring peace of mind for your retirement future. My commitment to unsurpassed service and strong contract owner benefits has allowed me to experience consistent growth within my industry. I’m the one to offer you diverse financial planning choices for your retirement dollars.
We represent over a dozen of the nation’s top rated life insurance and annuity providers. We’ll provide you with information and pricing on every service available at your location and let you choose. No more high-pressure, heavily biased sales pitches from pushy insurance salespeople.
Bobby E Richardson
Phone: (386) 308-9626
Fax: (407) 210-1602
Article Source: http://EzineArticles.com/?expert=Bobby_E_Richardson
As a senior citizen, you may find yourself in a health insurance crisis – no longer covered by an employer’s health insurance policy but needing health insurance more than you ever did before. Of course, Medicare covers some of your medical expenses, but how can you get the best rate on health insurance to cover the gaps Medicare leaves?
What Medicare Covers
Once you are 65 years old, you’re eligible to enroll in Medicare. Medicare can include several programs:
* Medicare Part A, which helps cover inpatient hospital care, nursing home care, hospice care, and some home health care. Most people pay for this coverage through taxes, so they do not pay a deductible or monthly premium.
* Medicare Part B, which helps cover doctors’ services, outpatient hospital care, medical equipment, physical and occupational therapy and some home health care. Most people pay an annual deductible and a monthly premium for this health plan.
* Medicare Part C, Medicare Advantage Plan, which offers you more choices among health plans and extends your benefits.
* Medicare Part D, prescription drug coverage.
In addition, you may need MediGap coverage, which is health insurance that covers what Medicare does not.
Affordable Health Insurance for Senior Citizens
As you can see, health insurance for senior citizens can be confusing. Fortunately, insurance comparison websites can help you gain a clear picture of what health insurance you need, as well as help you find that insurance at a reasonable rate.
All you need to do is go to an insurance comparison website and complete a simple form with information about yourself and your insurance needs. Once you submit the form, you will soon receive quotes for affordable health insurance from multiple A-rated insurance companies. And at the best insurance comparison websites, insurance professionals are standing by to talk with you and answer any health insurance questions you have. (See link below.)
Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to get health insurance quotes for senior citizens from top-rated companies and see how much you can save. You can also get more insurance tips there.
The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on health insurance for senior citizens.
Article Source: http://EzineArticles.com/?expert=Brian_Stevens
For senior citizens, having medical coverage through the federal government’s Medicare program is literally a lifesaver. Many of these senior citizens would not be able to afford the basic medical care that they need without Medicare. This social insurance program allows them to stay healthy and enjoy a longer life than they might otherwise enjoy without the assistance of Medicare. But as great as the program is, it’s only designed to cover the basic insurance needs of our nation’s elderly. That’s why the option of being able to purchase a Medicare supplemental insurance plan is so key to the health and well-being of American senior citizens.
A Medicare supplemental insurance plan is designed to cover holes and gaps in basic Medicare coverage. Since most senior citizens are beginning to deal with aging-related issues by the time they turn sixty-five years of age and are eligible for Medicare, most of them need more than just the basic coverage offered by Medicare. This means that left with only Medicare coverage, most of these senior citizens will be left with inadequate coverage, which they may not realize until they suffer a health emergency and realize that they can’t afford the care that they need.
While Medicare is federally subsidized, Medicare supplemental insurance is administered by the state governments and is sold by private insurance companies. If you’re interested in purchasing a Medicare supplemental insurance plan, first make sure that you understand the Medicare regulations in your state. You don’t want to settle on a plan only to find that it’s not available in your state. And be sure to shop around. You won’t get the best price if you don’t take the time to get at least three price quotes from different companies to compare and see what deals are available to you.
If the task of researching Medicare supplemental insurance seems too daunting to tackle on your own, you’re not alone in feeling overwhelmed. That is why so many quality insurance brokers are able to stay in business. They make it their aim to understand not only the different Medicare supplements that are available through different insurance companies, but also to understand the needs of the senior citizens in their area so that they can recommend the best insurance products to their clients. With the help of a good agent and a basic understanding of the Medicare supplement, you’re sure to be able to get the coverage you need.
Medicare Supplements for you will find and compare the best options for your Medicare Supplemental Insurance needs. You can make an informed decision after perusing the information we provide you. Did you know you can cut costs and continue to see your preferred doctors?
Article Source: http://EzineArticles.com/?expert=Brant_Reed
Short term insurance has become very popular over the recent years as it is a cheaper and affordable insurance option for many people. When it comes to insurance polices there are many to choose from. There are companies that provide a host of insurance policies and at times it is difficult to choose the ideal one for you. For people over 65 years of age it becomes even more difficult because they are not aware of the right plans for themselves and they fear the amount of premium that they need to pay as the amount for insurance policy increases with age. If you are over 65 years this may sound depressing for you however the good news is that there are many short term health insurance plans that are offered by insurance companies for their benefit and welfare.
The above insurance companies offer the best policies that are less expensive for them. These companies have two sets of health insurance policies that are available for people under 65 and the next set for people over 65. The insurance policies that have been framed for senior citizens by Medicare are short term insurance policies that have been targeted for the welfare of these citizens. There are certain cholesterol levels, blood pressure, family history, height, weight and other considerations that are taken into account for these citizens. In fact, the above policy considerations are more liberal than the ones that are made for younger adults. These citizens can reap the benefits of short term health insurance polices that have been made keeping their needs in mind.
The term insurance policy intended for senior citizens offer the best rates and helps them save significant money. The short term insurance is also called a temporary insurance that provides health insurance for a limited period only. The time period can be as short as a month and can also go up to 6 to 12 months as well. The term health insurance works in the same way as the long term health insurance. The coverage between the two is different and in the case of the former the person gets a health card that will possess limits and the deductibles on the services of the policy. Such a short term insurance policy provides you with the advantages of an insurance against accidents and illnesses only for a limited period.
The short term health insurance plan for senior citizens do not contain pre-existing conditions and preventive care. The pre-existing condition is a medical problem that a person suffers from before he or she goes into insurance. These short term health insurance plans are specially designed to provide protection against major health problems that a senior citizen faces.
Thus, from the above it is evident that the above short term health insurance have been specially designed for the purpose of senior citizens and they can avail all the benefits and the advantages of the polices that have been offered to them with ease.
Are you looking for low cost short term health insurance? Visit http://www.short-termhealthinsurance.com today for more information!
Article Source: http://EzineArticles.com/?expert=John_D._Edwards
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
The issue of rising premiums on auto insurance is a real concern to many people. This is particularly true for senior citizens who are striving to live within their means during this stage of their life. Auto insurance rates for senior citizens is, of course, much cheaper than it would be for a young driver. Getting this lower premium on their auto insurance has a lot to do with their many years of driving along with their good driving history. Some seniors have found that it is difficult for them to rely on public transportation and this has many seniors driving around regardless of their age.
Having auto insurance is mandatory for both senior and young drivers alike. There may be a notion that once a person becomes a senior citizen that their insurance premiums will go up. Senior citizens actually tend to have the advantage on premiums as compared to the younger driver. Older drivers are actually more careful with their vehicle and less likely to be involved in accidents. This is a proven statistic that gives them the upper hand on lower premiums. Senior citizens that apply for auto insurance will find that their rates will be lower if they can show a clean driving history.
Individuals that are past the age of 50 are usually included in this category of lower premiums. Life insurance premiums will increase as you get older however the cost of car insurance will go down. Insurance companies use many factors that will determine the best deal for a senior citizen as each of their needs can be different. Taking the time to shop around for the best deal and contacting several different companies is still the best way to get the best bargain
In this growing internet age many computer savvy senior citizens scour the web to get their auto insurance needs met. Many seniors opt for this type of information gathering much more than having to drive from one company to another. Auto Insurance providers know this fact and have designed their online presence to provide accurate rates and more importantly to present relevant reviews on their products posted by current customers. Having all of this type of information available on their site is a favorable option for many senior citizens who can get what they need without going door to door.
No matter what your age is, make sure you still ask questions of your prospective insurance company and ensure that they give you the appropriate answers and or explanations. However if you are a senior and you need insurance on your car, truck or other type of vehicle, you can find affordable and dependable coverage and at lower rates. You have driven for years and you have the age and good driving record to prove it, so do your research and you will find the right insurance company that is looking to reward you for it.
Find out more information for your auto insurance needs at www.auto-insurance-blog.com [http://www.auto-insurance-blog.com].
Article Source: http://EzineArticles.com/?expert=Hema_Patel
There are a lot of senior citizens that love to travel and see the world, but they don’t know how much they need to be covered while their in the air. Senior travel insurance is really perfect for seniors who love to always travel, as they will be protected at all times. They will be fully protected while they are overseas. If they are in need of medical assistance or simply any kind of assistance, their travel insurance will be there for them to solve the problem. So basically, they don’t have to worry about anything when they’re on a vacation. This is a very important coverage that every senior that loves to travel needs. If you are a senior citizen that loves to travel, you have to make sure that you are safe if ever an incident occurs.
- What is senior travel insurance?
Senior travel insurance is a type of insurance coverage that will protect the senior citizen if any incidents occur while they are overseas. The great thing about this coverage is that you can have a peace of mind to know that no matter what happens to you, their will be someone to help you. If you need help to find your lost luggage, or missing travel documents, there will be special assistance available for you anywhere around the world.
- Why do senior citizens need travel insurance?
Seniors don’t have an idea of what can happen to them while they are traveling. If you go to a foreign country, you can accidentally eat or drink something that your body system cannot manage. If something like this does occur, your senior travel Insurance will cover and take care of you so that you can continue your vacation.
- How much is the coverage for senior travel insurance?
The premium is based on the actual age of the senior, health status, and the area they live in. There are rules and restrictions, but your insurance agent will be glad to explain to you what they are so you can avoid any delays. They can do other different types of coverage that will be perfect for you so that you will be able to find a coverage that meets your budget.
There are many insurance companies that may offer this type of coverage online. However, you must make sure that you are dealing with the right company that will provide you a coverage that is actually needed. Try not to deal with anyone who isn’t licensed or registered with the Department of Insurance, as they may not provide any coverage for you if you are actually in need of help. These people only want to collect your monthly premium and will not give any service whatsoever. Don’t let these con artists take your money, as they are very manipulative. It is advisable to contact your nearest Department of Insurance for more information about unlicensed solicitors. This will give you an idea of what you should do to avoid getting ripped off.
To learn more about senior citizen travel insurance and travel insurance comparison, visit TravelInsuranceFacts.net.
Article Source: http://EzineArticles.com/?expert=Troy_Benning
If you are a senior citizen and do not have health insurance, the thought of having to go to an emergency room in case of illness may be troubling you. You should have planned for your retirement but if you did not include the details of having Health Insurance after you retire, you are at the mercy of the ER and without coverage you may even have to forego treatment. For many people in the US, health care costs often result in bankruptcy even when they have insurance because not all illnesses are covered by the policy. When it can happen to the people who have insurance, it can be a nightmare for those who do not have it.
In recent months, the issue of health insurance for senior citizens has received extraordinary coverage and attention in the US because of President Obama’s plan to have universal health care available to all citizens. This measure from the Obama administration has drawn critics and supporters alike and the battle lines are drawn in an increasingly bitter battle. The issue at stake is whether there should be a public option that would enable the senior citizens access to health care provided for by the government. The public option does not guarantee free coverage but includes an option for the employers and the government to provide for an eventuality.
Senior citizens need healthcare and they need it more than the other age groups as they need access to quality medical assistance because of their advancing age that makes them vulnerable to disease and disability. It is for this reason that medical care in many countries is free for senior citizens and they have access to the best medical facilities. Likewise, the US should also have a health care system that provides for its senior citizens and ensures that they get proper treatment for their various ailments.
In the context of the baby boomers retiring in large numbers and without the proper tools for some of them to plan adequately for their retirement and health care, there should be a comprehensive plan for access to medical coverage by the insurance companies as well as the government. There are several insurance companies that have special plans for senior citizens as they allow for the coverage with all facilities provided for them. However, there are other companies that do not encourage coverage for senior citizens on the grounds that they are a high risk category and hence the premiums do not justify coverage. There are some commentators who call for an old age premium to be placed on the coverage plan so that senior citizens can get coverage at the rates provided by the insurers, albeit with a premium.
The point that is being made here is that senior citizens better plan for their retirement when they are in their forties and fifties so that they do not become a burden on their children and that they retain coverage beyond retirement and after they are well into their sixties.
Freelance Writer with over two years of experience in content development, academic writing and business writing. Specialist in Custom Writing and SEO development with emphasis on plagiarism free and unique content.
I am an Engineer by training and was a Project Manager before switching to Freelancing. I can take up assignments in the areas of Project Management, IT, Economics, Management and Book reviews. I am well versed with academic formatting styles like APA, MLA, and Harvard etc.
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Retirement age can be the golden age of your life! Your children have grown up and are independent. You do not have a full-time job. There is nothing holding you back. This is the time of your life to fulfill all your dreams of traveling the world! There is virtually nothing holding you back!
Know The Ins And Outs Of Travel Insurance
Senior citizen travel insurance is vitally important when planning any trip. A travel insurance policy helps to protect you against unforeseen circumstances, such as trip cancellations. There are numerous travel insurance firms that offer great packages for senior citizens who are 65 and older. There are even policies these days that provide for those who are 50 and above.
Senior citizen travel insurance is provided in two formats; annual travel or single trip coverage. Annual travel is ideal for individuals who take a variety of vacations over the course of the year. Single trip coverage is, as the name implies, for a single travel event. Coverage details vary from company to company. Receive quotes from several different travel insurance companies. Compare each policy in detail to find the one that suits individual needs at an affordable price.
Choose An All Inclusive Travel Insurance Package
Senior citizen travel insurance packages provide overall coverage for low risk individuals. A good senior citizen travel insurance package will include coverage for luggage theft or loss. Some packages also provide cover for medical costs, including medical assistance or emergency services, which may be incurred while on holiday.
Be sure to review your travel insurance policy in full. Ensure that you understand every aspect of your travel plan. It must provide full financial protection for any mishap that occurs while on holiday.
Look Before You Leap!
It is always wise to carefully review each portion of a senior citizen travel insurance policy. Do not feel rushed. Do not feel intimidated or overwhelmed. This is an entitled right when reviewing any insurance policy. A travel insurance policy is no different. Ensure each portion of the policy pertains to individual travel coverage needs. In the event that it does not, move on to another insurance policy or insurance agency.
An often unmentioned fact about insurance policies is that the document is considered a legal agreement. This means that in a court of law the terms and conditions presented in the policy are legally binding. Obtain clarification of anything that is not easily understood up front. Ask as many questions as necessary until all aspects of the travel insurance policy are clear. Anything not understood should be clarified by an insurance agent. If an agent is not willing to do so, simply find one who will.
Senior citizen travel insurance is not intended to restrict travel intentions. Rather, it is a sound financial decision providing protection and peace of mind for senior citizens. With policy in hand, a senior citizen is ready to explore the four corners of the world.
William Scott has authored a number of articles on holiday insurance. His site http://HolidayInsuranceTips.com, offers further information on selecting the right senior citizen travel insurance [http://www.holidayinsurancetips.com/category/senior-citizen-travel-insurance]
Article Source: http://EzineArticles.com/?expert=W_Scott
Article Source: http://EzineArticles.com/1136039
It is absolutely vital that as one approaches old age, one has a substantial health insurance cover. The probability that one’s health care expenses would increase substantially is almost a given. In this piece we look and compare the different health insurance plans that are available in the market for senior citizens. While every health insurance company wants to insure the young (and almost by definition, more healthy), there are very few plans which provide health insurance to people beyond 60. Another interesting thing to note here is that most of the health insurance plans for senior citizens is offered by the public sector general insurance companies.
The health insurance plans available for senior citizens are:
- Varistha Mediclaim by National Insurance
- Senior Citizen plan by Oriental Insurance
- Mediclaim for Senior Citizens by New India Assurance
- Senior Citizen Plan by United India Insurance
- Red Carpet Plan by Star Health Insurance
Varistha Mediclaim by National Insurance: This policy can be bought by anyone between 60 and 80 years of age. Renewals can be done upto the age of 90. Between the age bands of 76-80, premiums have an added factor of 10% and between 80 to 90 years of age, premiums are grossed up by 20%. The sum insured under this policy for hospitalization is Rs 1 lakh. For critical illness, the sum insured is Rs 2 lakhs. Under the critical illness cover, diseases such as cancer, renal failure, stroke, organ transplants etc are covered. If the person has already been insured for 3 years through a health insurance policy, then he or she does not have to undergo a medical test, else there has to be a medical test under the prospective customer’s costs. For domiciliary treatment, the maximum claim is fixed at 20% of the sum insured. Ambulance charges upto Rs 1000 are covered under this policy. For a mediclaim cover of Rs 1 lakh and a critical illness cover of Rs 2 lakhs, the premium varies between Rs 6200 (for a 60-65 year old) to Rs 9200 (for a 75-80 year old). One interesting feature of this policy is that pre existing hypertension and diabetes are covered from the 1st year itself of the policy by paying 10% additional premium for each of the two diseases. Pre existing is of course not available for the critical illness policy. Other pre existing diseases are covered after 1 policy year. Dialysis, chemotherapy and radiotherapy for preexisting ailment is never covered. Claims are paid only for events that occur within India. Claims which occur within the first 30 days of the commencement of the policy will not be covered, unless in the case of the person being insured with an Insurance Company without break for the past 12 months. For the purpose of this policy, pre existing diseases such as cataract, piles, fistula, hernia, benign lumps, joint replacement etc will not be covered in the first 12 months. War related medical claims, vaccination, spectacles cost, plastic surgery, corrective dental surgery, venereal disease, vitamins and tonics which are not part of the treatment, nuclear disaster related health claims, alternative treatment like homeopathy etc are excluded.
Opinion: We think it is one of the best policies for senior citizens, except that the sum insured is low. They are quite generous as far as the norms for entry age and pre existing diseases are concerned.
2. Senior Citizen Specified Disease Plan by Oriental Insurance: In this plan, the policyholder has the option to choose sum insured of Rs 1 lakh, 2 lakhs, 3 lakhs, 4 lakhs or 5 lakhs. One restrictive feature of this policy is that 20% of any claim amount has to be co-paid by the insured. Cashless payment through TPA is restricted to Rs 1 lakh. This plan covers 10 specified diseases: cancer, renal failure, heart diseases, liver related diseases, COPD (lung ailment), stroke, prostrate, orthopaedic disease, ophthalmic disease, accidental injury and knee replacement. The amount that one can claim for a particular disease is restricted as a percentage of the sum insured (for e.g., 50% of the sum insured can be claimed for cancer, while 20% of the sum insured can be claimed for stroke). A sum insured of Rs 1 lakh will cost Rs 4500 for a 65 year old, while it will cost Rs 6400 if one is eighty years old or beyond. While this may seem cheaper than National Insurance’s Varistha medical scheme, it is less wide in scope. This policy has an interesting refund of premium clause if one withdraws from the policy: if the policyholder gets out of the policy within the first month, 75% of the premium is returned and if he opts out between 3 to 6 months of the policy, 25% of the premium is returned. In this policy, pre-existing diseases are not covered for a period of 2 policy years. Other exclusions are very similar to those of National’s Varistha medical scheme.
Opinion: a good scheme in terms of the level of sum insured and price, but the scope of diseases covered is restrictive. Another issue is that pre-existing is covered only after 2 policy years.
Mediclaim for Senior Citizens by New India Assurance: This policy is available for senior citizens between 60 and 80 years, and the sum insured can be Rs 1 lakh or Rs 1.5 lakhs. Pre existing diseases are covered after 18 continuous months of coverage, while for diabetes and hypertension to be covered, additional premium needs to be paid. Pre hospitalization is covered for 30 days, while post hospitalization is covered for 60 days. An insurance of Rs 1 lakh for a 65 year old will cost Rs 3850 while it will cost Rs 5150 for an 80 year old. Thus, premiums are very competitively priced. If one wants to extend beyond 80 years, then loading of 10% or 20% has to be paid. For pre existing diabetes or hypertension, an additional premium of 10% each has to be paid. One interesting feature is that there is a 10% discount if one’s spouse is also covered under this policy. This policy also has the same partial refund norms on cancellation as Oriental’s Specified Disease Plan. Claims would be paid only for medical treatment in India. The exclusion conditions are standard, and are very similar to National’s Varistha Mediclaim.
Opinion: Attractively priced. Sum insured ceilings are low. The product brochure is silent on co-pay, and thus there is no co-pay requirement in all probability.
United India Insurance’s Specified Disease Plan: In this policy, sum insured of Rs 50,000 to Rs 300,000 is available to people between 60 to 80 years of age. Sum insured of Rs 1 lakh will cost Rs 3715 for a 65 year old, and Rs 8613 for an 80 year old. So while it is cheaper for the younger age bands, it is a bit expensive for the older age groups. An interesting feature of this policy is that there is a hospitalization cash payment from the 3rd day of hospitalization on payment of a particular additional premium. While other exclusion features of this policy are comparable to that of the previous 3 policies that we have discussed, the biggest problem of this policy is that this has a pre-existing waiting period of 4 years.
Opinion: Pre -existing waiting period of 4 years is restrictive
Star Health’s Red Carpet Plan: This plan has been a good marketing success. While one barely gets to hear about the reasonably broad, well priced schemes of the 4 nationalised companies, the market is quite excited about Star Health’s Red Carpet scheme. The sum insured under this policy can be for Rs 1 lakh, Rs 2 lakhs, Rs 3 lakhs, Rs 4 lakhs or Rs 5 lakhs. Age of entry is restricted between 60 and 69 years. Pre existing diseases are covered from the 1st year itself, except for those preexisting diseases for which the insured received payment in the preceding 12 months. Subsequently, these pre-existing diseases are covered. There are sub limits under this policy wherein different diseases have different limits as a percentage of the sum insured. Sum insured of Rs 1 lakh will cost Rs 4900 at entry, while a sum insured of Rs 5 lakhs will cost Rs 20000.. The biggest catch in this policy is that there is a 50% co-payment for pre existing diseases and 30% co-payment for other diseases!! Other exclusions are very similar to what is there for the nationalized companies.
Opinion: Simple, well marketed claim. But the co-payment terms are a huge negative! The ceiling for maximum age at entry is quite low (69 years), though the guaranteed renewal feature is a big positive. Also, the sum insured levels of Rs 5 lakh is quite high and attractive in these days of escalated medical costs.
In summary, we feel that National’s Varistha Plan is the widest in scope. The only issue with the plans of the Nationalised Insurance companies is that the sum insured levels offered might not be adequate for today’s high healthcare costs. On the other hand, they are at least offering senior citizen health plans. It is very difficult to locate any meaningful health insurance scheme for senior citizens offered by any private health insurance company, except Star Health. The only problem that we see with Star Health’s Red Carpet plan is that of the Co-pay restriction.
Shankar Nath is the founder of http://www.PolicyTiger.com, a leading online insurance comparison site in India. http://www.PolicyTiger.com helps user compare health insurance, life insurance and car insurance policies in an unbiased manner so that they can get the best price on their insurance, sometimes saving as much as 50% of the quoted price.
Article Source: http://EzineArticles.com/?expert=Shankar_P_Nath
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