Student Health Insurance

Health and medical insurance policies for students in US can be availed both by the International students who are enrolled in any of the educational institutions in US and to US students who are residents of the country. However, International student’s insurance is valid for a period of 48 months.

Any International student studying in the US colleges and Universities can avail International Student’s Health insurance if he or she has a valid VISA and is under 55 years of age. Moreover a student below 55 years, who is registered with any educational institution in US and is engaged in any research or academic work in any other country, will also qualify for Health insurance. It may also be noted that the dependants of these students like spouse and children below the age of 18 years are also eligible to be covered under health insurance with the student. Your coverage under the insurance plan normally commence from the very next day after you complete filling the online application. An International student also has the scope to renew the insurance policy so long as he satisfies the eligibility criteria. For this all you need to do is to send a filled in enrolment form within 30 days from the date of the end of the initial coverage period. The US International Student’s Health insurance covers the student around the world except his place of permanent residence.

An American student may apply for a medical insurance plan if he is no longer covered under his parent’s group insurance plan or if he finds his current insurance plan expensive for him. Moreover, after attaining the age of 24, a child can no longer be covered under his parents plan and has to opt for a separate health insurance plan. The student insurance covers the student throughout the year and it covers the student throughout United States and Canada only. Moreover, if the student leaves school, his cover under the policy will continue till the end of the policy year and the policy can also be renewed.

Debt Consolidation Loan

There are many people who find themselves trapped by exorbitant amount of debt.

At this point of time they look for how to reduce their interest rates, how to lower monthly payments, they start avoiding bankruptcy, consolidates their bill or they look for simply get out of the debt as fast as possible.

At that point of time they turn to debt consolidation loan. There are different types of lenders that will offer a debt consolidation loan, different lenders have different plans available .Debt consolidation loan make the debt easier and help to pay it in monthly basis. Debt consolidation loan companies are the best supports for the debtors and they do their best to make debtor’s situation better, they still make profit of course. But the interest rate and repayment terns will often be much manageable than the previous creditors. Internet technology compare to lenders for a personal debt consolidation loan has made the matter easier then ever.

Debt consolidation loan make all previous debt individual debts together into one loan debt as result borrower will have to pay interest rate on that single amount. Debt consolidation loan does miracle by making the people’s financial situation stable and help then in building a better financial future. Benefits like lower interest rates and easy repayment of the debt loan consolidation amount are the building blocks towards earning an excellent credit score.

But before u decide to consolidate your debts , take the time to weigh carefully some of the pros and cons of consolidation .

Pros :-

1. Simplified money management.
2. Lower monthly payments.
3. Comes with a lower interest rate.
4. Relief from creditors .

Cons :-

1. Debts is lessen but still exist

2. Long time process

3. Debt is being stretched over time

4. Encourage a false sense of security

So after weighing the pros and cons of consolidation decide to apply for debt consolidation loan. .

Another form of debt consolidation involves the use of credit counseling services. Credit counseling services help individuals regain control over their finances by helping them reduce their debt in various ways. These services often serve as an intermediary between you and the company you owe money to. Credit counseling services can intervene on your behalf, often convincing companies to reduce interest rates and cancel fees. Credit counseling services can also help teach you important money management skills.

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Marine Insurance

Definition

When goods are shipped to a foreign country, there is always a risk involved in that they might get damaged, destroyed, or stolen in the process of shipment from one country to another. To protect from financial losses the exporter of the good insures the goods exported.

For International shipments, the type of insurance that are generally used is known as marine insurance. To distinguish it from “inland marine insurance, “it is sometimes referred to as the” ocean marine insurance”.

Basically marine insurance is a contract between exporter and insurance, where the exporter pays a certain amount of premium to get back the amount insured in case the goods get damaged or pirated in the sea. Thus marine insurance minimizes the risk involved in shipment either due to natural calamity or due to man made factors. However, marine insurance cannot prevent accidental losses, but can provide reimbursement for financial losses in case the exporter’s shipment somehow fails to reach the destination.

Need of marine insurance

Since the cost of marine insurance is much lower as compared to the cost of the goods exported and the freight charges, it is always advisable to go for marine insurance to protect your goods from natural calamities and get financial reimbursement for the amount insured. Moreover one should not entirely depend on the shipping company to take care of the goods because in case of natural calamity it is even beyond their reach to protect your goods.

Responsibility of Insurance

The responsibility of making insurance always rests on the exporter. It is he who would decide whether he will minimize his financial losses arising out of unavoidable circumstances or not. There are basically three types of marine insurance:

1. Ship insurance

2. Cargo insurance

3. freight insurance

Ship insurance is not the responsibility of the exporter. It is the responsibility of the shipping company. However, Cargo insurance and freight insurance is the responsibility of the exporter. Cargo insurance normally covers the risk arising out of an act of god, enemy action, fire etc taken by the exporter of goods while freight insurance covers the risk involved if the ship is lost on account of any of the marine perils or in other words if the cargo is lost.