In this section, we want to answer some frequently asked questions you might have. These questions are only general ones because we believe that it’s best to get answers to the more specific question from a health insurance agent, who will be more knowledgeable. It’s also important to get the answer to specific questions from an agent, since the answer might vary depending on the company these agents work for. To find a health insurance agent in your area, visit our recommended health insurance comparison service, submit your information and several insurance agents will contact you with your free quotes. You will then be able to compare these quotes and ask the agents contacting you any questions you might have.

1. What is self employed health insurance?
Self employed health insurance is health insurance for people that are self employed. It is usually more expensive than “regular” health insurance, mainly because self employed people don’t work for a company, which usually also pays part of the health insurance for its employees.

2. Why do I need self employed health insurance?
Health insurance in general is highly recommended as it will protect you from large financial bills, should you become sick or need any kind of treatment covered in the policy. For example, should you find out that you have cancer, the health insurance policy will help you pay the treatment bill, while you would have to pay the entire bill yourself, would you not have health insurance. Therefore, health insurance minimizes your financial risk in case you need medical attention.

3. How can I find the cheapest self employed health insurance available to me?
To find the cheapest health insurance available to you, visit our recommended health insurance comparison service and submit your information. To find out which service we recommend, click here. After submitting your information, several agents will contact you with your free, no obligation rate quotes, so you can compare these quotes and pick the best service available.

Health insurance is the need of the hour. Even though we have technological advances and major development in the health care systems, there is a need for one to get a health insurance done. You may wonder why? Well, simply because given all the advances, our lives are erratic. The demand to get more and more out of our work life gets to us.

In the past decade or so health insurance has skyrocketed owing to a more conscientious outlook adopted by the elderly as well as the young population. In Europe, the ageing population constitutes the bulk of the populace which conclusively means that health expenditure has trebled adding to a creaking economy. With fewer people entering the employment market as a result of low birth rates, the burden to provide ample medical assistance for a burgeoning aging population is amplified.

Though many governments have committed themselves to provide excellent health services such as public hospitals and Medicare, the stereotypical view surrounding this subject is still obscure. People who have to wait weeks or even months to get a simple test done opt for private health care where service is faster and more efficient.

On the other hand, patients in private care who are charged absurd amounts of money in the name of hospital bills prefer the free and inexpensive treatment available at government clinics. Insurance they say is a tricky business, but the media hype surrounding ones health forces even the healthiest of individuals into seeking prudence over profligacy.

Government agencies have often been accused of being too bureaucratic while private institutions are said to be rip offs and here health insurances are not effective. A balance has been established between these two organizations so that people can have the best health plan possible. At a time when population expansion is increasing rapidly, as in Asia, health care is often ignored and takes the back seat. Outbreaks of infections and diseases usually occur when targets override patient care, which is the case with many African countries today.

The big health tender thats being offered today to people as an incentive is free social care for the elderly. This is particularly beneficial in the case of elections, as health is not only a physical concern, but now it has become a political strategy. The better the health insurance the more favorable a response elicited from the public. Efficient health care is provided where there is a mixture of medical professionals working alongside sound financial administration. So health becomes a matter of investment hitting at the core of ones self, the choice of whether to choose health insurance or not seems to encompass more than just ones corporeal well being.

Welcome to Get Self Employed Health , an online guide showing you where to get free self employed health insurance quotes, so you can compare prices and find the most affordable one for your needs. In order to find the best self employed health insurance, we highly recommend using one of the insurance quote services available online. When using their service, you will have to fill out a short form, and several competing insurance agents will contact you with your free, no obligation insurance quotes. This allows you to compare the policies being offered, as well as the prices of these policies. Because several local agents will contact you, you’ll also be able to ask them any questions you might have about self employed health insurance, which should help you further when making your decision.

To get your free, no obligation self employed health insurance quotes, please visit the insurance comparison service listed below and fill out the short form on their website:

HometownQuotes: Free, No Obligation Self Employed Health Insurance Quotes! Popular
HometownQuotes is an online insurance comparison site, allowing you to get several self employed health insurance quotes from competing agents. All you have to do to get these free, no obligation insurance quotes at HometownQuotes is to fill out a short form, which the insurance agents will use to provide you with your free quote.
Once you get your quotes, you will then be able to compare the offers, ask the insurance agents contacting you any questions you might have, and then finally pick the best one for your needs. But, remember that there is absolutely no obligation for you to purchase from any of the self employed health insurance agents contacting you.
To get your self employed health insurance quotes, visit HometownQuotes by clicking here.

We are here to provide you with the absolute best information about all types of insurance for couples. Whether you are looking for Health Insurance, Car Insurance, Life Insurance , Home Insurance or other types of insurance for couples you will find the information you need here.

You will be able to get couples insurance quotes through links on this site if you so wish. If not we ask that you use the information you get here to save your self money. Get the best coverage you can receive and don’t let the insurance companies rip you off. You work hard for your money and if deserves to be in your pockets, not the insurance companies.

WHAT IS PREMIUM FINANCING?
Premium Financing is the convenient way to pay for insurance.

When you finance your insurance premium, you enter into a contract with NPG Finance Limited for a loan to pay your insurance premium based on a suitable payment plan. You make a deposit (this is usually a minimum of 25% of the total premium) and repay NPG Finance Limited in instalments for the loan plus the interest in accordance with the agreed payment plan.

HOW DOES PREMIUM FINANCING WORK?
We have set out three examples of possible payment plans to illustrate how premium financing can work for you. The Total Annual Premium (or cost of the insurance for the year) used in all three examples is $78,400.00 and is inclusive of GCT, stamp duty and service charges.

EXAMPLE 1 (Flat Charge)
Total Annual Premium 78,400.00
Deposit (more than the required 25%) 30,000.00
Loan Amount 48,400.00
Interest Charge (flat charge) 6,000.00
Amount to be repaid 54,400.00

Monthly Instalment $6,800.00 for eight (8) months

A flat interest charge of $6,000.00 is applicable in this example as the loan amount is below $50,000.00 (refer to the RATES SCHEDULE for more information). If the deposit amount is more than the required 25% of the Total Annual Premium, the amount of the monthly instalment will be reduced.

EXAMPLE 2 (Add-on Rate)
Total Annual Premium 78,400.00
Deposit (25% of premium) 19,600.00
Loan Amount 58,800.00
Interest Charge (13% add-on rate) 7,644.00
Amount to be repaid 66,444.00

Monthly Instalment $8,305.00 for eight (8) months

In this example the deposit amount is 25% of the Total Annual Premium. The Add-on Rate is applicable as the amount of the loan is over $50,000.00 (refer to the RATES SCHEDULE for more information).

EXAMPLE 3 (100% Financing)
Total Annual Premium 78,400.00
Interest Charge (13% add-on rate) 10,192.00
Amount to be repaid 88,592.00

Monthly Instalment $11,074.00 for eight (8) months

In this example the deposit is waived, therefore the full cost of the insurance is financed. The Add-on Rate is applicable on the loan amount of $78,400.00. THE FIRST INSTALMENT OF $11,074.00 IS DUE AND PAYABLE IMMEDIATELY.

Our Advice To You

PLEASE NOTE that the Insurance policies summarized herein do not usually contain automatic coverage for all assets, properties, operations, etc.

We request that you clients notify us of changes. Some examples could pertain to:
Changes in organizational structure
Incorporation, merger, acquisition, partnership, new subsidiaries, business name changes.

Changes in business operation
Product, services, markets, territories, operating procedures, distribution, advertising.

Change in projects and forecasts:
Sales, revenues, payrolls, cash flows, borrowing.

New acquisitions/lease/rental use of the following:
Real Estate, equipment, vehicles aircraft, plant and machinery, watercraft mobile equipment.

Significant fluctuations in:
Inventory, transportation, cash, accounts receivable.

Written or informal agreements with:
Contractors, labour agreements, suppliers, customers, others.

Increases in values, costs or items acquired after inception date of your covers.

A potential claim (or loss) would not represent a “change”, but we emphasize the importance of promptly reporting all claims, including the reporting of incidents that may result in a claim.

If you are in doubt, a few minutes discussion by telephone can be time well spent for each of us.

TO ASSIST NPG IN PROMPT CLAIM SETTLEMENT WE ASK THAT :-

1. During and immediately after the event, you :-

a) Take steps to minimize loss, and protect life.

b) Take steps to protect the property

c) Notify the police, fire services, ambulance services, or other relevant authority.

d) Send to repairer, if a motor vehicle

e) Collect names and addresses of witnesses

f) Collect details of insured persons – third parties or employees

g) Collect details of third party vehicles e.g. driver, owner, insurers,
type of vehicle.

2. Notify N.P.G. immediately or as soon as is reasonably possible.

3. Make formal claim report (be prepared to give an detailed statement of the event) as soon as is possible (within 14 days) along with relevant details e.g. drivers licence, location of repairer, the article/property lost or damaged, location of salvage, type of loss, nature of damage, etc.

4. Instruct the preparation of a detailed itemized estimate of loss/repairs and send in to N.P.G. within one (1) month.

5. N.P.G. will discuss with, notify and instruct Insurers and/or Loss Adjusters.

6. If there is any difficulty affecting the submission of your detailed claim, it is of great importance that you notify us of the possibility of delay.

7. Loss Adjusters will normally agree and approve estimates, authorize repairs, or recommend settlement.

In the event of your disagreement with the report of the appointed Loss Adjuster you have the right to appoint an accredited Adjuster of your own choice (at your own expense) to give an second opinion.

8. Interim loss payments will often be made by Insurers; we will negotiate this facility, if needed.

9. Loss of use is not normally covered under motor policy but is recoverable from the Insurers of the vehicle at fault – some Insurers do make a contribution.

10. Except where a loss falls below the policy deductible, permanent repairs should not begin without being authorized by the Insurer or Loss Adjuster.

11. All correspondence from Attorneys/Courts must be immediately sent to N.P.G.

If you are unsure of what insurance you should have, we help you to define your needs. We are your agent and professional insurance consultants.

We carefully research insurance companies and policies to locate and coordinate just the affordable coverage you need.
We can arrange EASY, FLEXIBLE PREMIUM PAYMENT PLANS.

We ensure that you receive your policy documents promptly, and guide you through the wording “maze” so that you fully understand the terms of the coverage.

We keep in touch on a regular basis to check if your overall risk situation has changed in any way or for any changes, amendments you may wish to make.

We send you early reminders of renewal dates.

We are ready at all times to assist you in any other way we can.

A good insurance brokerage firm, like NPG, will advise you how best to access the protection which insurance offers against the financial consequences of accidental loss or damage.

As a first step, a broker can help you to identify all the risks to which you are exposed, depending on your personal circumstances and/or the nature of your business. Even ifyou are generally aware of the
coverages that you need, there may be potential liability claims that you might have overlooked.

Using the services of an insurance broker gives you access to professional knowledge and information about the insurance industry, the products being offered, and the comparative costs for these products.

A broker’s expertise in evaluating the large number of products available locally and overseas, and matching them to your individual needs, saves you time and money .

A broker will draw your attention to considerations you would not normally take into account. For instance, there could be more efficient and cost effective ways of combining or re-packaging your risks.

An insurance broker is not beholden to any particular insurance company, and so is free to select the best policy for you from any insurance company.

When you have made your insurance decisions, the broker acts for you in arranging placement with one or more reputable insurance companies to secure the best type of coverage, at the cost you can afford.

The good part of all of this is that you do not have to pay the broker for these services! The broker recovers the cost of his services from the insurance companies.