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11. Subject to the exclusions set out below, the hirer and any driver authorised to drive the vehicle is fully indemnified in respect of any liability he might have to the owner in respect of the loss or damage to the vehicle and its accessories and spare parts and any consequential loss of ...
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Educus.com Launches ICD-9 app for Apple iPhone and Android Devices
Educus.com is excited to announce the launch of Educus ICD-9 Complete Reference (http://www.educus.com) – a fast and efficient application for looking up ICD-9 codes designed specifically for the Apple iPhone, iPod touch, and Android-powered phones. The application provides a searchable database of over 17,000 distinct ICD-9 codes. For added convenience, the user can either search through all of the codes or the most commonly used ones. Users can also maintain a list of favorites by adding or removing frequently used codes from the list. They can also search through the favorites list for even faster access. The best part of the application is that it is available for free on iTunes and the Android market. There is no need to purchase expensive subscriptions or applications anymore. Just download it on any of the compatible devices and you are ready to go! (PRWeb Dec 9, 2009)
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Function specific DOT Hazmat Training for Dealerships
KPA released a new online industry and function specific Department of Transportation (DOT) Hazardous Materials training (hazmat training) course as part of its Environmental, Health, and Safety (EHS) program for dealerships. (PRWeb Dec 9, 2009)
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Introducing ReZilient Direct, Offering Supplemental Cancer, Heart & Stroke and Accident Insurance
ReZilient Direct has partnered with Assurant Health to provide quality supplemental insurance products that give customers both security and peace of mind. ReZilient Direct offers Assurant Health’s Cancer, Heart & Stroke, and Accident insurance underwritten by Time Insurance Company at an affordable price to those who have major medical insurance, as well as to those who do not have any coverage at all. (PRWeb Dec 9, 2009)
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BLR Products Named Finalists for Multiple CODiE Awards
HR.BLR.com® and Enviro.BLR.com® each receive recognition as finalists in the Software & Information Industry Association’s annual competition (PRWeb Dec 9, 2009)
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SupplyLogic and Stonehill College Launch Print Management Portal as Part of Three Year Deal
SupplyLogic, a leading provider of print management services and marketing solutions, today launched a comprehensive online portal solution for Stonehill College. The Stonehill College Print Management Portal will allow the entire Stonehill faculty and administrative community to order a variety of printed items, including brochures, letterhead, envelopes, and business cards. (PRWeb Dec 9, 2009)
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Include Me Out - Common Medical Insurance Exclusions By Rob Parker - Leaf Most people assume that their health either completely, or at least partially, covers all of their medical needs. Unfortunately, the fine print in your policy generally includes a list of exclusions - items that are specifically not covered - that you should be aware of.
Common Exclusions
Exclusions range from elective surgical procedures (things like LASIK and cosmetic surgery) to coverage for specific diseases that require long-term care. Here are a few common exclusions:
Pre-existing Conditions. This is one of the most common policy exclusions, and it encompasses any condition for which you may have received medical care prior to the first day of coverage under a new plan. One of the ways your new will cover you for these is if you were previously covered - this is why when you leave a company where you had benefits, your documentation always includes a "proof of coverage" certificate. In some cases, pre-existing conditions will be covered, but only after a waiting period of up to a year.
Elective Surgery. While elective surgery includes everything from a facelift to lap-band surgery for weight loss, and is almost never covered, there are some exceptions. Breast reconstruction after a mastectomy is generally covered, though you and your doctor may have to fight for it. Breast reduction surgery is often covered if having it will ease severe back pain, but only after other treatments have been attempted. Bariatric surgery (for weight loss) is usually excluded, but if your doctor can show a history of nutritional counseling and exercise, and you are morbidly obese, you can often get this covered. LASIK is generally not covered by medical insurance, but a separate vision policy may pay for part of it, if you are no longer able to have your vision corrected by conventional means.
Hospital Stays. Time in the hospital is generally built into your policy, but certain convenience features, like using the in-room telephone or television are often excluded. Hospital fees are generally extremely high, so check with your company before you find yourself checked in.
Home Health Aids and Private Nursing. These are generally not covered. The Centers for Disease Control says that more than 1.4
million patients use home health care, with the average length of treatment being about 60 days. These costs can add up very quickly, so research other options - hospice care, and other volunteer organizations.
Learning Disabilities and Behavioral Problems. Because these are often classified as psychiatric issues, rather than medical, conditions like dyslexia and ADHD that require ongoing treatment are often excluded from health coverage, though as information is added to medical databases, this is changing. Many policies now cover the medication for these conditions, if not the alternative treatments.
Alternative Therapies. companies are designed to deal with traditional Western-style medicine - doctors and pills - and often won't cover alternative treatments methods, which include chiropractic treatment, acupuncture, acupressure, and biofeedback - even when these treatments are used to complement conventional procedures.
Dental and Vision Care. Most plans don't offer dental or vision coverage, and most corporate benefit packages offer separate dental and vision plans, however, if a dental or vision issue is the result of an accident, or another medical issue, your regular health coverage may apply.
If this list of exclusions makes you wonder why you have at all, consider that most does cover preventative medicine, treatment for common ailments, and general health issues, and that seeing your doctor regularly may help you stay healthy enough to never need excluded coverage.
It should also send you to your file drawer, to examine your policy, because knowing what is and is not covered is often more crucial than having coverage, and there are ways to offset the cost of excluded procedures, like instituting a flexible spending account, or taking out a supplementary life policy.
Are you covered if you get sick? Get accurate health quotes.
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Nomura plans to expand in India, China next year: Report Japanese financial services major Nomura plans to significantly expand its base in India and China next year.
http://economictimes.indiatimes.com/Nomura-plans-to-expand-in-India-China-next-year-Report/articleshow/5319575.cmshttp://economictimes.indiatimes.com/Nomura-plans-to-expand-in-India-China-next-year-Report/articleshow/5319575.cmsWed, 09 Dec 2009 13:58:35 GMTNomura plans to expand in India, China next year: ReportNomura plans to expand in India, China next year: ReportKKR lines up Rs 550 cr for Analjit's fund-raiser The KKR investment will be the third fund-raising by Singh?s holding companies in quick succession, taking the total amount raised in the past two months to nearly Rs 1,700 crore.http://economictimes.indiatimes.com/KKR-lines-up-Rs-550-cr-for-Analjits-fund-raiser-/articleshow/5316944.cmshttp://economictimes.indiatimes.com/KKR-lines-up-Rs-550-cr-for-Analjits-fund-raiser-/articleshow/5316944.cmsTue, 08 Dec 2009 20:22:56 GMTKKR lines up Rs 550 cr for Analjit's fund-raiser KKR lines up Rs 550 cr for Analjit's fund-raiser LIC seeks higher interest on NHPC loan The country?s largest insurer, LIC, has sought to raise interest rate on its loan to public sector hydel power generator NHPC. http://economictimes.indiatimes.com/LIC-seeks-higher-interest-on-NHPC-loan/articleshow/5298173.cmshttp://economictimes.indiatimes.com/LIC-seeks-higher-interest-on-NHPC-loan/articleshow/5298173.cmsThu, 03 Dec 2009 20:19:34 GMTLIC seeks higher interest on NHPC loanLIC seeks higher interest on NHPC loanIDBI Bank, Toyota ink MoU for auto finance IDBI Bank and Toyota Kirloskar Motor Pvt Ltd (TKM) today signed a memorandum of understanding (MoU) for providing auto finance to the latter's prospective customers.
http://economictimes.indiatimes.com/IDBI-Bank-Toyota-ink-MoU-for-auto-finance/articleshow/5292990.cmshttp://economictimes.indiatimes.com/IDBI-Bank-Toyota-ink-MoU-for-auto-finance/articleshow/5292990.cmsWed, 02 Dec 2009 14:16:09 GMTIDBI Bank, Toyota ink MoU for auto financeIDBI Bank, Toyota ink MoU for auto financeEPFO may buy long-term govt bonds from secondary markets The retirement fund manager EPFO will soon be allowed to purchase long-term government bonds with maturity of 10 years or more from the secondary market.
http://economictimes.indiatimes.com/EPFO-may-buy-long-term-govt-bonds-from-secondary-markets/articleshow/5292427.cmshttp://economictimes.indiatimes.com/EPFO-may-buy-long-term-govt-bonds-from-secondary-markets/articleshow/5292427.cmsWed, 02 Dec 2009 11:14:44 GMTEPFO may buy long-term govt bonds from secondary marketsEPFO may buy long-term govt bonds from secondary marketsWockhardt wins ICICI backing for liquidation fight with DBS Pharmaceutical company Wockhardt, which is fighting a legal battle with a clutch of foreign banks, which want the troubled drug-maker to be liquidated, on Friday received support from ICICI, India?s largest private sector bank.
http://economictimes.indiatimes.com/Wockhardt-wins-ICICI-backing-for-liquidation-fight-with-DBS/articleshow/5277174.cmshttp://economictimes.indiatimes.com/Wockhardt-wins-ICICI-backing-for-liquidation-fight-with-DBS/articleshow/5277174.cmsFri, 27 Nov 2009 19:48:36 GMTWockhardt wins ICICI backing for liquidation fight with DBSWockhardt wins ICICI backing for liquidation fight with DBSFranklin Templeton to launch new income fund Franklin Templeton Investments (India) is launching a new open-ended income fund that seeks to provide high return and stability of capital. http://economictimes.indiatimes.com/Franklin-Templeton-to-launch-new-income-fund/articleshow/5275766.cmshttp://economictimes.indiatimes.com/Franklin-Templeton-to-launch-new-income-fund/articleshow/5275766.cmsFri, 27 Nov 2009 11:58:31 GMTFranklin Templeton to launch new income fundFranklin Templeton to launch new income fundRBI to ask banks about their exposure in Dubai World The Reserve Bank of India (RBI) will ask Indian banks to furnish details regarding their exposure in the Dubai World, said RBI deputy governor Shyamala Gopinath in Ahmedabad.
http://economictimes.indiatimes.com/RBI-to-ask-banks-about-their-exposure-in-Dubai-World/articleshow/5275673.cmshttp://economictimes.indiatimes.com/RBI-to-ask-banks-about-their-exposure-in-Dubai-World/articleshow/5275673.cmsFri, 27 Nov 2009 11:35:05 GMTRBI to ask banks about their exposure in Dubai WorldRBI to ask banks about their exposure in Dubai WorldEPFO asks ICICI Pru, SBI to improve returns Unhappy with the performance of ICICI Pru AMC and State Bank of India--two of its two fund managers--during the first half of this fiscal, the EPFO has asked them to submit an action plan on earning better returns.
http://economictimes.indiatimes.com/EPFO-asks-ICICI-Pru-SBI-to-improve-returns/articleshow/5275608.cmshttp://economictimes.indiatimes.com/EPFO-asks-ICICI-Pru-SBI-to-improve-returns/articleshow/5275608.cmsFri, 27 Nov 2009 11:19:12 GMTEPFO asks ICICI Pru, SBI to improve returnsEPFO asks ICICI Pru, SBI to improve returnsReliance Capital plans to take over Indian financial firm Indian financial services firm Reliance Capital said on Friday that it plans to take a majority stake in Mumbai-based Quant Capital Group. Financial details were not disclosed.
http://economictimes.indiatimes.com/Reliance-Capital-plans-to-take-over-Indian-financial-firm/articleshow/5275047.cmshttp://economictimes.indiatimes.com/Reliance-Capital-plans-to-take-over-Indian-financial-firm/articleshow/5275047.cmsFri, 27 Nov 2009 08:03:38 GMTReliance Capital plans to take over Indian financial firmReliance Capital plans to take over Indian financial firmIDBI Bank scraps plan to sell home finance unit State-owned IDBI Bank has scrapped plans to sell its wholly-owned unit IDBI Home Finance, its top official said on Wednesday.
http://economictimes.indiatimes.com/IDBI-Bank-scraps-plan-to-sell-home-finance-unit/articleshow/5268668.cmshttp://economictimes.indiatimes.com/IDBI-Bank-scraps-plan-to-sell-home-finance-unit/articleshow/5268668.cmsWed, 25 Nov 2009 13:39:11 GMTIDBI Bank scraps plan to sell home finance unitIDBI Bank scraps plan to sell home finance unitAuthorised capital of PSBs doubled to Rs 3000 crore The government has decided to double the limit of authorized capital in public sector banks to help some lenders which were unable raise capital by selling shares.http://economictimes.indiatimes.com/Authorised-capital-of-PSBs-doubled-to-Rs-3000-crore/articleshow/5265695.cmshttp://economictimes.indiatimes.com/Authorised-capital-of-PSBs-doubled-to-Rs-3000-crore/articleshow/5265695.cmsTue, 24 Nov 2009 22:02:49 GMTAuthorised capital of PSBs doubled to Rs 3000 croreAuthorised capital of PSBs doubled to Rs 3000 croreHindalco mops up $600 m via QIP Funds from the QIP issue will be utilised to part finance three greenfield projects.http://economictimes.indiatimes.com/Hindalco-mops-up-600-m-via-QIP/articleshow/5265407.cmshttp://economictimes.indiatimes.com/Hindalco-mops-up-600-m-via-QIP/articleshow/5265407.cmsTue, 24 Nov 2009 19:09:35 GMTHindalco mops up $600 m via QIPHindalco mops up $600 m via QIPVishal Retail to rope in strategic investor Vishal Retail may bring in a strategic investor as part of pre-conditions laid down by banks to restructure its huge borrowings worth Rs 750 crore, a top company executive said on Monday.
http://economictimes.indiatimes.com/Vishal-Retail-to-rope-in-strategic-investor/articleshow/5262591.cmshttp://economictimes.indiatimes.com/Vishal-Retail-to-rope-in-strategic-investor/articleshow/5262591.cmsMon, 23 Nov 2009 19:57:06 GMTVishal Retail to rope in strategic investorVishal Retail to rope in strategic investorHindalco to raise Rs 2,900 cr to part-fund 3 new projects Hindalco Industries, part of the Aditya Birla group, on Monday initiated the process of raising up to Rs 2,900 crore by selling shares to institutional investors in order to part-finance three greenfield projects.
http://economictimes.indiatimes.com/Hindalco-to-raise-Rs-2900-cr-to-part-fund-3-new-projects/articleshow/5262581.cmshttp://economictimes.indiatimes.com/Hindalco-to-raise-Rs-2900-cr-to-part-fund-3-new-projects/articleshow/5262581.cmsMon, 23 Nov 2009 19:51:21 GMTHindalco to raise Rs 2,900 cr to part-fund 3 new projectsHindalco to raise Rs 2,900 cr to part-fund 3 new projects
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