There are two basic kinds of health insurance and these are Individual Health and Group Health insurance. Normally, group Health insurance is provided by an employer. If this option is available and your company is willing to contribute towards the premium, Group health insurance is the most sensible way.

For some people, no matter whether they are working for some company that doesn’t provide health benefits, self employed or doing some other jobs, health insurance is not simply considered an option by them.

Now you are asking yourself “If I don’t have group health option, then what are my health insurance options?” There are many companies which provide individual medical insurance and a large number of plans come under below given categories.

Network or indemnity plans are also known as managed and non-managed health plans and your freedom to visit several providers is determined by these categories.

continue reading Which individual health insurance plan is right for you?

To cover the war for NBC news, when 39 years old David Bloom went to Iraq in 2003, his wife was naturally worried about his safety. But it was blood clot that stuck in his lungs instead of bullet, or bomb to end his life.

After sometime Ms. Bloom came to know that her husband had a genetic deformity: factor V Leiden (to be pronounced as factor five) that greatly increased his risk to develop that blood clots.

An out of sight Problem

In the U.S, factor V Leiden is one of the most common hereditary clotting disorders that is found in 2 to 7 percent of white-skinned, in few Hispanics and seldom in Asians and African-Americans.

continue reading Factor V Leiden: A common hereditary clotting disorder in the U.S

Health insurance is probably one of the most essential necessities in every nation. Hence every country differs when it comes to health insurance and its conditions. The insurance is typically planned in accordance to the living conditions and lifestyle of the civilians. Therefore there are certain rules and regulations regarding the insurance of the natives as well as foreign nations in the country. Similarly health insurance in Germany is also independent with its own terms and guidelines to be followed.

Reviewing the latest survey, around 87% of the German population is insures and a few of those who are employed by the government or possess their own business opt in for private insurance. There is a specific term to address such insurance in German. The other classes of people usually have no other option but to rely on non-profit sickness funds and have low premiums as well. Germany as a country provides insurance in some cases where the people are poor and do not live in healthy conditions. There are about 3% of such people from the whole of the German population.

Special care must be taken that you check with your insurance company before actually traveling to these places as there might be separate conditions relative to your current insurance. If you are a resident of countries like Croatia, Turkey, Tunisia and Switzerland then you might be able to enjoy the same benefits as the German citizen. But the key here is to compare your present plan with the German plan because if you are the US citizen then plans like Medicare do not work in countries other than the United States.

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