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A contract that provides compensation for specific losses in exchange for a periodic payment. An individual contract is known as an insurance policy, and the periodic payment is known as an insurance premium.
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Michigan Health Insurance - Are You Covered? Health Insurance For Small Businesses. By Lisa Ip
Individual Health Insurance:
Individual health is coverage intended for one person. If you are self-employed or run your own business, you don’t have access to a group health plan through an employer, and must purchase your own coverage from one of the many health providers located in your state.
There are some pitfalls to obtaining your health from the private sector. For instance, limitations exist that might make it difficult to derive guaranteed benefits from a private policy as an individual. Private companies have a right to ask you for information regarding your current and past health, and are also allowed to reject you for purposes based on your health status, or impose limitations on your coverage.
Blue Cross Blue Shield, on the other hand, is required by law to sell individual health to any resident regardless of health status. This is referred to as guaranteed issue. They must also refrain from charging you more due to any current or preexisting conditions ¨C this is called community rating. HMOs are also required to sell health to any individual during the 30-day open enrollment period that occurs each year.
health policies can vary depending on the company. There are no laws that force private companies to offer the same health products so coverage plans from different providers can offer quite different coverage. But certain benefits for health must be provided in the coverage, including mammograms and diabetes care.
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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 firm
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