Cheap Health Insurance Package – Your Ideal Guide For a Better Medical Insurance Deal

It is true that medical insurance rates are on the rise due to the high cost of medical care services. It is important that we get the right medical insurance service. This is necessary because sickness can attack anyone at anytime.

There are different types of health cover deals. The company you are working with should provide you free consultation on the right plan for you. Most companies provide some form of health insurance service to its staff. If the cover plan you are getting from your employer is not comprehensive enough then you need to get the right coverage yourself.

It is possible that you already know what you need in the plan you want to buy; at this point you will ask direct questions well targeted to your need e.g. will you be using this service all the time or when needed? If you will only make claims during emergencies, it will be wise for you to opt for higher deductibles. The higher the deductibles, the lower the premium you pay eventually and this may also qualify you for a no-claim bonus and benefits annually.

Most times, your medical insurance service should cover hospitalization costs and injury bills if there an accident and injuries are sustained. Leading health insurance companies provide added services like physician aids, drugs and pharmaceutical additions, occasional medical checkups etc.

Take note when purchasing a plan. It is important that you buy a quality service. Your health is very important so get the ideal medical cover deal. Where To Get Leading Companies of Health Insurance and Compare Their Rates Online?

Life Insurance With No Medical Examination – Some Of The Dynamics Involved

Medical examinations tend to be a limiting factor to many people who may want to take a cover – they see the whole process as time-consuming and expensive. However, many companies insist to know the health conditions and the general fitness of an individual to value the amount of compensation at an appropriate time. It should come to the understanding of many people that the medical processes are not time-consuming nor expensive, due to modern science and qualified personnel who are used in the medical departments. Insurance is very important, since it pays for funeral expenses, debts payments, and tax payments and may be divided among heirs in case it is excess.

The common type that requires no medical examination is the term insurance, which requires compensation for a set period. Cover for term insurance is mainly taken for a period up to 20 years to the maximum and 5 years to the minimum. After the expiry of the term cover, the individual may opt to renew the cover or leave the cover to expire and continue with another, which may favor the particular individual.

Many covers that do not require medical examination mainly cover deaths that are caused by natural calamities such as accidents and murder and exclude those caused by ignorance like suicide. Life cover with no medical checkups is mainly advocated for the young people and many insurance companies mainly recommend that because the young individuals have a low risk and possibility of passing away. They also possess fewer diseases and ailments that are likely to expose them to death. Again, before their death enough amount of money of accumulated which will cater for the resulting expense and excess divided to their heirs.

Life insurance covers with no medical examination are required to people with high risky jobs such as mining in under caves, explosive experts, security agents among others. This is because their work environments are risky and they may die abruptly not from early sickness. In addition, those seeking temporary jobs may take a term cover with no medical examination as they search for more permanent jobs after which they can take medical checkups.

Mainly the cost of no examinations policies may vary from one company to another but in most cases they are a bit high in most companies because of lack of failure to access liability risks i.e. assumptions are made for the compensation to be made. However if you wish to renew your policy with that same company rates will be high than you initially paid because you are older than you were previously.

The major benefit of no-medical examination insurance is that much time and costs are saved with no need of providing blood and urine samples to medical experts. In addition, there is no purchasing of exam coverage. Another major benefit is that it provides financial stability to your loved ones in the event of death.

Some Questions Normally Asked During The Immigration Medical Exam

All immigration visas to the United States of America require the applicant to take on the immigration medical examination. The medical examination is required even for some non-immigrant visas too. Refugees and applicants for adjustment of status are also required to appear and clear the immigration medical.

Here are some questions usually asked by those who are required to take the examination:

Q. How does one prepare for the Immigration medical exam for the Green Card?

A list of doctors who are specially approved by the immigration body – the United States Citizenship and Immigration Services will be provided to you, either at the USCIS centers or the details could be found on the USCIS website. Choose the immigration physician and clinic that is best suited for your requirement.

Make an appointment. And make sure that you stick to it. Postponing the appointment unnecessarily would mean additional delay in the processing of the file.

Q. What do I carry with me to the examination?

A part of a form will have to be completed by you – the Medical Examination of Aliens seeking Adjustment of Status- this is called the I-693 form and will have to be given to the Surgeon who is conducting your examination.

Carry all your previous medical records with you. Also bring along your record of vaccinations that have been received by you in the past.

Q. What do I do if I have a chronic medical problem? Will I be barred from taking the exam?

You will not be debarred from taking the exam but you will have to show the immigration physician that treatment for the condition is on and that your condition is being supervised and is under control.

Q. How long is the Immigration Medical Examination valid for?

As per the rules of USCIS every immigration medical checkup is valid for up to 1 year from the date the examination has been submitted to the officials. This has come into effect from June 1, 2014. All Forms I-693, Reports of the Medical Examination and Vaccination Records will be valid up to one year from the date of submission to USCIS.

Q. What happens during the Immigration Medical Examination?

Examination and Testing takes place. You will be examined for stipulated physical as well as mental health conditions. Clothes might have to be removed during the exam. If it is ascertained by the doctor that more tests will be needed due to the existence of a certain condition then it could happen that you may be sent for further tests and treatment of the condition.

The Basics of Getting Insurance With No Medical Exams

Probably as you were shopping online for life insurance, you came across life insurance with no medical exams. You could have thought the offer was a rip off. However, you need not worry; there are many leading insurance companies in the industry offering life insurance that does not require medical exams. As the name suggests, there is no medical exam or assessment required with this type of policy. This makes the plan appealing to persons who are unwilling and/or unable to go for a medical checkup. In order to get a suitable product, check the terms & conditions and qualifying standards. The basics of getting this type of policy include:

· Make an application

To get the life insurance with no medical exam, you can make your application online or by phone. You will be required to give honest answers to several basic questions, including your age, gender, weight, height and lifestyle. Some of the service providers may require you to submit relevant information pertaining to your health status and other medical records. Once you submit your application, you can expect to receive a response in a matter of a few hours or days.

· Obtain quotes

When you submit your application, the insurance company will provide you with free insurance quotes. The quotes contain all the information pertaining to the policy and coverage you are seeking to buy. It is your right to either accept or refuse the plan. Insurance quotes come handy in comparing the prices of different products offered by different insurance companies. Therefore, it is advisable to compare the offering of several service providers before buying a product. This goes a long way in getting the right coverage at competitive rates.

· Qualification process

Once the provider has received your personal information, the company’s personnel will evaluate the responses in order to qualify you or deny you coverage. Your application could be approved or rejected based on other variables and not necessarily your health. However, if you can provide prove that you are in perfect health; you stand to benefit from lower premium rates. Normally young and healthy people receive guaranteed acceptance. With this type of policy, applicants are advised to give accurate answers. If you provide incorrect or false information, there will be sufficient ground for the service provider to deny you coverage.

· Submit your payments

Once you have submitted your application and have been qualified by the service provider, you can accept the policy and start paying for it. You can choose any mode of payment- only make sure it is safe, convenient and acceptable to the insurance company.

Taking on the Immigration Medical Exam? It Could Be Smooth Sailing!

In order to be able to test whether you fall into a category of inadmissibility on health-related grounds the US Consulate or the US Citizenship and Immigration Services, (USCIS) conducts an Immigration Medical Examination or the Green Card Medical Exam. The examination will include a medical checkup by a doctor who has to be approved by the U S Consulate or USCIS. The exam is applicable for both adult and child applicants.
Care has to be taken that your family physician or doctor cannot conduct this medical exam, unless he or she is on the USCIS list of approved Civil Doctors. A certain amount of stipulated fees will have to be paid for the Green Card Medical Exam.


The doctor will examine you, ask relevant questions, take a blood draw and also if needed, take Chest X-rays. There is generally no need to fast before the blood draw is taken.

The main reason of conducting the medical exam is to ensure that you do not have any serious diseases, mental problems, serious health conditions or drug problems that would make you inadmissible to the United States.

The doctor will also make sure that you have received all the required vaccinations. The USCIS Civil Surgeon will not be in a position to state whether there are any health conditions which fall beyond the purview of the Immigration Medical Exam requirements.


There is no official list of diseases or disorders related to whether the applicant is inadmissible. It is up to the examining doctor to decide whether your condition and behavior is likely to be a threat to property and safety of others. There are some diseases that are considered as “top suspect” and these include infectious diseases such as tuberculosis, sexually transmitted disease and other untreated venereal diseases. Hansen’s disease (better known as leprosy) is also another top disease on the list of the Centers for Disease Control and Prevention. The Center removed HIV from the list in January 2010.

If you as an applicant have an illness that is of trouble to you but does not affect, infect or harm others, such as cancer, certain mental illnesses or heart disease and high/low blood pressure you will not be inadmissible on immigration grounds. But it may be probable that you could be found inadmissible because you may require need-based government assistance (in other words, government welfare), as you may not be in a position to work and have access to medical insurance.