Premium Essay

Personal Medical Insurance Essay

Submitted By
Words 520
Pages 3
The Personal Medical Insurance Policy and Road Traffic Accident

The appalling truth is that anybody can be influenced by an automobile accident – no matter, you are the automobile operator, a traveler in the vehicle or a walker/cycle rider in the city. Within a month, there were roughly 18900 auto mishaps all over the UK; and in spite of the fact that the aggregate number of road traffic accidents has decreased as of late, but still there were about 25800 death and injuries through out this time.

Regardless of if you are a car driver, bike or a cycle rider, you'll have seen in any case one time in your life a mishap where the key reason was the road surface. It is an issue that any individual who utilizes our roads knows about and it is …show more content…
Be that as it may, shouldn't something be said about you after consideration? If you somehow happened to fracture your leg and need treatment taking after the mishap, you may need to hang around quite a while for NHS treatment. It is the point at which a personal medical insurance policy could prove to be useful.

A complete personal medical insurance policy will give you with quick access to medical check-up - including physical therapy - in special offices for all applicable treatments. Different advantages frequently included are prompt payment when you need to stay a night in a NHS clinic and living arrangement if any other person also need to stay overnight with your kids. Numerous medical insurance policies additionally give availability to a medical helpline that gives health care guide and advising facilities which could be gainful after a shocking occurrence.

A full personal medical insurance policy can be a key benefit, particularly taking after an automobile accident; however they do include some significant pitfalls and won't suit everybody's financial limit. In the event that you can't bear the cost of a customary personal medicinal insurance policy, you might be satisfied to realize that there are different

Similar Documents

Premium Essay

Definition of Terms Paper

...of Terms Paper Definition of Terms Paper In today’s health care environment patient safety has become one of the most important objectives in all health care institutions. One of the main issues when it comes to safety of patients is errors that can occur when abbreviations are not used properly when dealing with health information technology. It is important for health care employees to have knowledge and a clear understanding of what the abbreviations stand for, as well as the purpose of them. When dealing with a patient’s personal information that concerns their medical history, there must be the use of accurate written or computerized documentation at all times. This paper will define the following abbreviations: AMR, CMR, CMS, CMS 1500, CPT, DRG, EPR, HL7, ICD-9, UB-2, and the important role each plays in health care information technology. AMR The abbreviation AMR refers to what is known as Automated Medical Records. An Automated Medical Records system is used to record all information concerning a patient’s care from the initial consultation, the admission into the hospital if applicable, any treatment involved and medications dispensed, to the final billing (Pinkerton, 2006).When an AMR is used the amount of paperwork associated with a health care practice or hospital can be lessened. Automated patient information has the capability to provide health care workers and organization with patient information that can be critical when treating them. The information that...

Words: 1947 - Pages: 8

Premium Essay

Midterm Essay

...Midterm Essay Exam Kristian Earl D. Velasco HLTH 522, Professor Claudia Dempsey Liberty University In this essay, the discussion is centered on the structural dimensions—ethical influences, parameters in decision-making, and internal provocations—relating the issues of whether deception among clinicians can be regarded as plausibly sound. These matters are the motivation that plays a role in how the actuality of care is being communicated. Since the provider-patient relationship is mainly constructed by way of trust and confidence, the concept relating deceptions during the course of care takes a crucial part. In view of the fact that internal influences affect the predisposition towards the issues of deception, whether it is justifiable or necessary for the wellbeing of the patient, this concern will be viewed more clearly through the lens of biblical proportions and overall understanding of the value of human life. Truth telling in healthcare setting is a subject of intense debate. The physicians, nurses, and the rest of decision makers involve within the healthcare profession have an extensive familiarity, high level of proficiency and masterful capability in dealing with medical situations. However, ethically related conflicts many times arise regarding the deception or withholding medical information to avoid the complexities that may affect patient care strategies. These matters, unavoidably, are often times the likely reason that may limit the capacity...

Words: 2274 - Pages: 10

Premium Essay

Administrative Ethics Paper

...1996, the Health Insurance Portability and Accountability Act (HIPAA), was created by former President Bill Clinton (Physicians Billing Associates International, 2006). The HIPPA Act includes provisions for health insurance portability, fraud and abuse control, fax related provisions, group health plan requirements, revenue offset provisions and administrative simplification requirements (Physicians Billing Associates International, 2006). The act was put in place to help create a standard that will protect patient’s medical records and personal health records nationwide. This act will help healthcare workers keep better control of patient’s information. HIPPA has a privacy rule that concerns health plans; the rule provides healthcare workers information on how to transmit individual’s health, vision, prescription, and any type of medical information safely. This essay will describe how Rite Aid pharmacy informs patients of how their personal information is disclose and protected against violations of their rights. And ensure them that their information continues to stay protected and all HIPPA privacy law is followed. Recently, Rite Aid Pharmacy released an article concerning patient privacy. The notice describes how medical information may have been used and disclosed, and how patients can get access to the information (Rite Aid, Privacy, 2011). Rite Aid strives informed patient how the information could impact their privacy. If patient medical and personal information was...

Words: 293 - Pages: 2

Premium Essay

Boy and His Insurance

...INSURANCE AND RISK MANAGEMENT Fall 2011 Worksheet 11 Firm: _KEY__ 19 Points Chapter 21 Date: ______ MULTIPLE CHOICE: Circle the letter of the best answer. (1 pt each) 1. All of the following persons are insured for personal liability under the homeowners policy EXCEPT A) children of the named insured under age 24 who are attending college full time and temporarily residing elsewhere. B) foster children under the age of 21 who reside with the named insured. C) nonresident employees of the named insured. D) the spouse of the named insured if a resident of the same household. 2. All of the following situations are excluded from coverage under Section II of the homeowners policy EXCEPT A) the rental of a spare bedroom which is used by the tenant as an office. B) the use of a rented airplane to take a vacation. C) the ownership of a ten-unit apartment house as an investment. D) the performance of professional services by the insured at the residence premises. ESSAY: 4. Application Questions, Question 1, page 486. (10 pts) (a) Covered. A suit or claim because of animals is covered. (b) Covered...

Words: 526 - Pages: 3

Premium Essay

Administrative Ethics Paper

...Phoenix Administrative Ethics Paper There are many issues that may arise in concern to a patient’s privacy. There were no specific laws years ago that protected a patients privacy and rights. The Health Insurance Portability and Accountability Act (HIPPA) which was signed in August of 1996 which became a law under President Bill Clinton (Physicians Billing Associates International, 2006). The Health Insurance Portability and Accountability Act includes provisions for: health insurance portability, tax- related provisions, fraud and abuse control, revenue and offset provisions, group health plan requirements, and administrative simplification requirements (Physicians Billing Associates International, 2006). The HIPPA act was put into place as a standard law used to protect a patient’s personal health and medical records nationwide. This act was created to help health care workers to keep better control of a patient’s personal information. HIPPA has a privacy rule that concerns an individual’s health plans; the rule helps to provide health care workers information that would be needed to transmit an individual’s vision, health, prescription, and any other type of medical information safely. This essay will discuss how Rite Aid pharmacy informs customers of how his or her personal information is disclosed and how he or she is protected against violations of their rights, ensuring customers that his or her information will continue to remain to stay protected and that the HIPPA privacy...

Words: 1305 - Pages: 6

Premium Essay

Entrepreneurship Reflection

...Entrepreneurship Reflection Essay Entrepreneurship is the process of starting a business or organization within a field that is designed to attract a target audience and provide supplies to meet their demands. The health care industry is very complex and thrives on advances within the field and in medical technology advancement. Most entrepreneurs within the health care industry are looking to expand the access and advancements within health care. There are pros and cons to entrepreneurship within the health care industry. Positive Effects of Entrepreneurship on Health Care One of the most positive effects of entrepreneurships within the health care has been in the new ways of technology and the ability they have on the innovation of using that technology to help in treatment and care of patients. Advances in technology are allowing for patients to receive quality that is needed. Technology has helped in the research and detection of diseases and illnesses. This research has then in turn helped health care professionals to be better prepared for illness and diseases and take possible precautions to help with the spread of these illnesses. Another positive effect of entrepreneurship on the health care field, is the establishment of alternative urgent treatment to a primary physician’s office or to the trip to the emergency room. Concierge and direct primary care locations can now be located in local pharmacies such as CVS and Walgreens. These local minute clinics and urgent...

Words: 1068 - Pages: 5

Premium Essay

Obesity in America

...or being overweight is basically having to much body fat compared to muscle. It is unhealthy to carry extra body fat and therefore it is considered a major health risk, due to the health issues is can cause to individuals including children. Obesity has been on the rise in the past 20 years as lifestyles and eating habits have changed in the average American home. (http://www.hsph.harvard.edu/obesity-prevention-source/obesity-definition/) It is measured by medical professionals by using the ratio of weight to height. This is called the BMI or body mass index. Thesis Statement Obesity has been considered by the CDC (Centers for Disease Control) to have risen drastically in the past 20 years. People are eating less healthy foods in todays society, are living a fast paced lifestyle that gives little time for thought and effort towards healthy eating, and little time for excerssise. The modern American has tons of technology at the touch of finger that causes us to do less physical things. According to Havard Medical and the CDC obesity has been on the rise for many reasons over the past 20 years. The causes of obesity are different for different people according to age, race, sex, and genetics. But the most common reason is overeating. The body cannot take in more calories than it can burn, or it will be stored as fat the excess fat is what causes an individual to be overweight. Genetics certainly can play a role in obesity, but learned behavior can as well. Being taught...

Words: 929 - Pages: 4

Free Essay

Econ 201 Essay

...KRYSTLE HANSEN BARRY KOTLOVE ESSAY ASSIGNMENT ESSAY #1 DOMESTIC MARKET Health care reform is a political and economic topic that has been debated for years. Most recently in the United States under the president Barack Obama's current term he passed a law that most of us Americans refer to as Obama Care but is also known as the Affordable Care Act. This law requires every American to have some sort of health care coverage. However, is affordable health care really that affordable? There are some countries that have national health insurance systems where government uses tax revenues to provide a basic health care package. However, in America most citizens are enrolled in private health care Insurance usually provided by their employer. Health care provided by employers does come at a cost. It does drive up the cost of labor because it’s another cost incurred by the firm and sometimes the employee. Several companies I have worked for in the past have shared the cost of insurance; by doing this the firm does not incur all the costs of health care; the firm also avoids being fined for not providing health care. If the firm does not provide health care and has more than 50 employees the firm will incur of fine of $5,000. Thus, employers are essentially forced to either incur the costs of health care or pass part or all the costs onto the employee, therefore, decreasing the overall amount the employee actually makes. Some employers could use health care benefits as an enticement...

Words: 3798 - Pages: 16

Premium Essay

Reducing Workers Compensation Claims

...Reducing Workers Compensation Claims According to an essay published online by CCH Incorporated, the first step in reducing workers’ compensation costs involves ensuring that your company has effective safety and accident prevention programs in place to reduce the amount and severity of workplace illnesses and injuries. In addition to those programs, there are policies and procedures that should be implemented to help supervisors and Human Resources professionals in handling workers’ compensation claims in the most expedient manner possible. Having an active safety program has a number of benefits. Some are obvious. Others are not. A safety program gives employees a sense that their employer cares about them. Issuing personal protective equipment should be part of the safety program as should periodic inspection and replacement of worn or damaged safety equipment. Rotating work schedules or job duties can reduce repetitive-stress injury problems. An additional benefit is that doing so keeps workers more interested in their work and more focused on the job they are doing which also tends to reduce injuries. A mandatory safety training program also lets your employees know that any work related injury is bad for them and bad for the company. All employees should participate in safety activities including those workers in administrative positions or performing office work. Ideally, the message employers want to deliver is that everyone has a vested interest in minimizing these...

Words: 1954 - Pages: 8

Free Essay

Personalized Medicine

...the use of personalized medicinal products. This paper provides an overview of how modern genetic technology may lead to personalized medicine, and to give examples two or more specific benefits of personalized medicine: a discussion of its drawbacks and limitations of the approach to human medicine. “Modern Genetic Technology and Personalized Medicine” Modern technology is constantly growing in our world, for us to understand how modern genetic technology may lead to personalized medicine and the importance personalized medicine. Personalized medicine is the tailoring of medical treatment for an individual with the unique characteristics for each patient. This approach is a scientific breakthrough for us to understand how a person’s unique molecular and genetic profile makes them susceptible to certain diseases. This same research is increasing our ability to predict and recognize which medical treatments will be safe and effective for each patient (Consumer Health, 2007). The Human Genome project of 2003, enlighten our understanding of the genetic component of disease that...

Words: 821 - Pages: 4

Premium Essay

Term Paper

...Construc and Support an Argument Paper Construct and Support an Argument Paper Amanda Wilson University of Phoenix Construct and Support an Argument Paper Deciding to pursue a Master’s in Business Administration (MBA) degree is an important decision which should not be taken lightly. The master’s program is challenging and will take time from an individual’s personal life. An MBA can further a career, begin a new career, or fulfill a personal goal. This paper will construct and support an argument on my decision to pursue an MBA while considering the Jungian Personality self-assessment on how others perceive me. I completed a Bachelor of Science Business Management (BSBM) degree in 2009. Upon completion of my BSBM, I began looking for employment. I currently work for Louisiana Medical Mutual Insurance Company (LAMMICO) and believe that once I complete my bachelor’s degree that a promotion would become available. I have not been offered a promotion and told that maybe something will become available Is this essay helpful? Upgrade your account to read more and access more than 650,000 just like it! GET BETTER GRADES in a couple of years. I have sent my resume out to numerous prospective employers and have only interviewed for one position. I was one of 50 eager interviewees. The individual who was offered the job was over qualified but was recently laid off from his previous job. He needed a job and took the position for which I applied. He took this position making...

Words: 398 - Pages: 2

Premium Essay

Cfp Paper

...4510 Exam Two Directions: Pick 10 questions and do a very good job of answering the questions. Essay Questions, not short answer. Reference each question, where you found your answers. Run a spell and grammar check. Discuss the uses of Life Insurance and explain how you would determine how much life insurance a family would need. Discuss the use of Disability Income Insurance and explain how you would determine how much disability insurance an individual would need. Name a category of individuals who might benefit from Disability Income Insurance. Explain why this category might need Disability Insurance. Discuss the use of Property and Causality Insurance and how this is used by a family or individual. Property and casualty insurance is insurance that protects against property losses to one’s business, home or car and against legal liability that may result from injury or damage to the property of others. This type of insurance can protect a person or a business with an interest in the insured physical property against losses. Auto Insurance policies typically cover you and your spouse, relatives who live in your home and other licensed drivers to whom you give permission to drive your car. The policy provides coverage for both bodily injury and property damage liability as well as physical damage to your vehicle. Auto insurance typically covers personal injury, medical payments, uninsured motorist, underinsured motorist, auto rental, emergency road assistance and...

Words: 2750 - Pages: 11

Premium Essay

Insurance

...to the development of insurance. Insurance appears simultaneously with the appearance of human society. In each society, we can find out insurance in the form of people helping each other. For example, if a house burns down, the members of the society will help to build a one house. The same thing might happen to the other neighbors, so they have to help them. Otherwise, neighbors will not receive help in the future. This type of process is called Insurance. This essay will give you a brief overview of the history of insurance, as well as the types and benefits of insurance. In simple terms, insurance is a promise of repayment in the case of loss. People or company pays to companies in order to repay them after accidents. In another meaning, insurance is a protection against future loss.1 In ancient times, farmers in China sent their crops to market on boats. Chinese merchants wanted to ensure that they would see a profit from their goods. In the event that a ship was lost at sea or pirated, an insuring partner would reimburse the owners of the ship and goods. To pay for the loss the merchant would be sold into slavery to the insurer until the debt was repaid. This was an equally beneficial arrangement since a merchant could not afford to pay for the lost goods or even to buy a ship unless someone invested. From this brief accounting of history we can see how insurance began to evolve during the coming years.2-3 In the most basic sense, insurance is the compensating of...

Words: 675 - Pages: 3

Premium Essay

Macroeconomics- Bush and Kerry

...President Bush. This decision may very well depends on the individual as the elected candidate will cause a different impact for each American. This essay will examine the position and programs of each presidential candidate under the four main economic issues in the United States: healthcare, taxation, international trade and environment policy. The first economic issue is Healthcare. As we all know, healthcare cost in the United States is comparatively more expensive than other countries. This is also the reason why many workers in the United States require healthcare benefits. Cost in healthcare is simply too high for an average American to afford if anything happens to them and therefore, many people purchase health insurance. However, having health insurance does not solve the high cost in healthcare because premiums are expensive and not all could afford it. Senator Kerry plans to reduce the cost of health insurance, health care bills and medicine, as well as improving medical efficiency to cut administrative cost. He asserts to cut premium costs by reimbursing business for 75 percent of the cost of catastrophic care since a single catastrophic case can raise the price of health insurance dramatically for a small business. People who are uninsured, or have low income, could receive tax credits to help offset their insurance expenses. Senator Kerry also understands that drugs and medicine in the United States are too expensive and people are forced to import medications...

Words: 1455 - Pages: 6

Free Essay

Bis 220 Week 1

...The Up and Coming of Technology BIS-220 April 3, 2013 Charles "Page" Waller The Up and Coming of Technology Information technology is one of the most in demand fields in the world, because of the fact it has many influences in government policy that have passed through the years. The Fair Credit Reporting Act of 1970 and the Health Insurance Portability and Accountability Act (HIPAA) of 1996 were just a couple of policies effected by the impact of information technology. The policies were made to protect the American citizens in ways of obtaining free credit reports and the privacy of personal medical records, which individually will be discussed in the essay. "You hear the terminology Fair Credit Reporting Act and you think that's an act that only applies to credit reports," Paul Stephens (Dilworth, 2012). One would think this quote is right, but it is the complete opposite. In 1970, the Fair Credit Reporting Act was established to help citizens from getting ridiculed by massive organizations that wanted to use his or her credit reports against them. The organizations acquired the information that was only available to them and was not intended to be shared. The policy permitted everyone the right to keep track of his or her own credit report. This gives the companies restricted access to credit reports which under F.C.R.A one cannot share information with anyone, cannot affect him or her from getting a job, one needs permission to access information, and one can...

Words: 827 - Pages: 4