Health Insurance

Home insurance: what are its benefits and how does it work?

Published

2 years ago

September 10, 2022

When talking about property protection, the first thing that comes to mind is car insurance , right? While it is extremely important these days, having home insurance is just as important.

This service is cost-effective and is a way of protecting property in the event of accidents, unforeseen weather conditions and theft or robbery, for example. However, many people are unaware of these advantages and do not have home insurance. If you are in this group, read on and learn more about it!

Reasons to buy home insurance

The main reason is to protect your home, ensuring greater tranquility and security for your family. That way, you can go on vacation or stay away for a few days without worrying so much about the safety of your assets.

Think about the following situation: if lightning strikes your home and burns several electronic devices, in addition to all the trouble to deal with the problem, you will have to spend a high amount of money on repairs or replacement of items. Having home insurance protects in cases like this, as the damaged appliances will be indemnified by the insurance company.

What is the coverage of this type of insurance?

Many people mistakenly believe that home insurance only covers fire and lightning strikes, however, it is possible to customize the service according to the interest of the contractor, including a set of insurances in a single policy.

The basic contract warranty provides protection against fire, lightning and explosion. The compensation will be calculated according to the declared value of the residence, plus an estimate of the cost of the goods that are in it. There are no deductibles in this case.

In addition to basic protection, it is possible to hire extra coverage , such as:

robbery and theft : the insurance company will pay compensation for the house to be repaired and the objects taken to be replaced;
electrical damage : this category protects the insured in case of wiring problems, burnt out appliances, etc.;
gale : the roof protects the home from damage caused by salable, hurricane, tornado and hail;
leakage : the insurer repairs the damage caused in situations like this;
vehicle impact : if a car crashes into your home and damages a wall or facade, the insurance will cover the cost of the repair;
civil liability : this coverage refers to damages to third parties , being useful, for example, if the renovation of your apartment affects the neighbor’s unit.

The offer of complementary coverage varies by insurance company, so it is essential to carefully analyze the services offered before closing the contract.

Also, be sure to check the contract’s exclusions, generally, it doesn’t cover theft without traces of break-in, construction failures, wear and tear due to lack of maintenance, pre-existing defects, vandalism, among others.

What to Consider Before Buying Home Insurance

Competition in this market is great, so it is necessary to research and evaluate well the credibility of the company and the services offered before choosing home insurance. Some insurers offer locksmith, plumber, roof repair, etc. assistance, which may be of interest to the customer.

To define the best cost-benefit, it is also necessary to evaluate the cost of the deductible of complementary coverage, which normally corresponds to a percentage of the claim value.

Many people do not buy home insurance because they believe it is a high investment, which is a big mistake, because in many cases it is cheaper than car insurance. In addition, as we have seen throughout the post, it is extremely important to protect your assets and ensure your family’s peace of mind in unexpected situations.

Health Insurance

Why is Civil Liability Insurance so important?

Published

2 years ago

September 10, 2022

Sunny Wars

During professional practice, it is quite common for people to consider themselves incapable of causing harm to third parties. But what could go wrong? Well, this is the question that is usually answered with a lot of surprise, precisely in the situation where a customer feels wronged.

Thus, we deem it important to discuss civil liability insurance . After all, regardless of the service, product or workforce being sold, or even your bureaucratic circumstance, as an Individual or Legal Entity, we are all subject to making mistakes and harming someone, even if unintentionally.

Eager to find out how to ensure the integrity of your professional operation? So, embark on this reading!

What is Civil Liability Insurance?

Essentially, contracting civil liability insurance consists of protecting yourself, your property and/or your company from the discharge of damages caused to third parties during your professional practice.

Therefore, this insurance consists of a policy that will bear the eventual indemnity costs, depending on the injury to the third party. As this is a type of insurance, it respects market standards, which limit the amount indemnified according to the coverage contracted.

It is still important to emphasize that this insurance can be used to indemnify both material and physical damages, being, therefore, a fundamental policy for health professionals .

But don’t think that only these professionals are subject to complaints. Bear in mind that people — individuals and companies — in the financial and infrastructure sectors face a huge burden of responsibility in their activities, whether managing an investment portfolio or building a solid building.

How important is it to people?

The protection is given to the property and integrity of the professional responsible for the damage. It is necessary to recognize that people are responsible or even make mistakes, above all, involuntarily. Thus, civil liability insurance — with its different coverage — protects the patrimony of the Individual or Legal Entity, depending on a conviction or court agreement.

We also highlight: this insurance is available for contracting by Individuals, personified by liberal and self-employed professionals, who wish to protect their activities.

But it is the Legal Entities that really need this policy, as, due to the greater number of commercial interactions, they are consequently more exposed to claims from other parties.

What types of coverage are offered?

Okay, now that you understand what liability insurance is all about, as well as recognize its importance to the smooth practice of your profession, it’s time to discover the main types of coverage offered. Check out!

Mediation

Good civil liability policies can cover the costs related to hiring an experienced mediator, speeding up negotiations, calming tempers and softening reimbursements.

Defense

Very often, damages caused to customers imply in the judicial transit of the negotiations. In this way, having a robust policy for these unfortunate moments means receiving financial support from the insurance company, in defraying the expenses related to the insured’s defense, regardless of the final sentence.

Indemnity

This is the main reason for taking out civil liability insurance. You will have a limit available to the compensation of the injured party, under the pretext of damage (bodily, material or moral) and/or financial loss, as a result of harmful acts during the provision of your services.

accessories

Accessory covers are of great value, as they include conveniences such as:

slander or defamation;
reputation protection;
emergency expenses;
among others.

How does Civil Liability Insurance help users who go to court?

For the people on the other side of this equation — the injured — civil liability insurance is also a fundamental tool, mainly because it guarantees agility in the moral and financial retraction of the damages suffered.

A professional who does not have good insurance for advising will need to deal with the entirety of the processes, personally hiring a mediator, experts and other inconveniences attached to this type of situation – in addition to having to bear personal or business assets, with the damages caused to the consumer. applicant.

What is the average value of this insurance?

In reality, there is no average of the values practiced in the market, precisely because of the infinity of professional exercises and their different risks and indemnification frameworks.

However, we emphasize that some factors define the value, for example:

whether the insurance was contracted by an individual or legal entity;
the limit insured in the policy;
the nature of the services provided.

As always, insurance policies and health plans are services contracted without the desire to ever use them. However, they are indispensable, once again when activated.

How to find reliable companies for Civil Liability Insurance?

Basically, you need to look at the broker’s reputation in the market. After all, for the moment you need it, you will not be helpless, receiving all technical, bureaucratic, legal and financial assistance.

Therefore, analyze the broker’s history, identify its social commitment, seek testimonials about the company, analyzing its ability to help you in times of emergency .

In addition, it is equally important to check the suitability of the policies offered for your professional activity, ensuring that the risks to which you are exposed will be taken into account when resorting to the insurer.

Finally, the price! In an act of financial responsibility , you need to ensure your budget balance, finding a company that combines fair values with necessary benefits.

Business Insurance

Online insurance: after all, is it possible to get insurance via the internet?

Published

2 years ago

September 10, 2022

Sunny Wars

Today, more and more people pay bills, stock up on supplies, buy items of clothing, schedule medical appointments and much more via the internet. In this vast digital universe, the possibility of taking out insurance online appears as one of the facilities that help to balance the numerous daily tasks. However, to acquire a coverage tailored to your needs, some factors must be taken into consideration.

To clarify the myths that naturally surround digital services and understand how to acquire an ideal insurance policy, follow this post!

How to buy insurance online?

Most brokers allow you to buy insurance online. Contact is made through the website itself and, by correctly filling out a detailed questionnaire, the client provides the information for the brokerage firm to proceed with the quotations .

It is worth emphasizing the importance of not omitting information, under the risk of contracting a useless service or losing out in the absence of any coverage.

The imprecision of the information makes the customer buy a product that does not suit their needs, leading them to pay more for poorly dimensioned coverage or to get frustrated when they need to use the insurance due to a breakdown or accident.

Thus, after the correct filling, the insurance prices will be calculated online in a comparative way or the broker will send by e-mail a proposal with the insurance companies that meet your needs and their respective values.

By knowing all the conditions, the customer will be able to choose the one that offers the best cost-benefit.

Upon agreement, the customer chooses the best payment method (automatic debit, credit card or bank slip), signs the contract and forwards it to the broker. In a few days you will receive the policy by email and also to the respective address.

This entire transaction is carried out in a few minutes — discounting the time spent carefully reading the policy conditions , so that the conditions of coverage, deductibles and shortages are properly clear.

What are the main advantages?

Among the advantages of purchasing insurance online, we highlight the benefits for those who have a busy life and need to resolve important issues, quickly and practically, but without sacrificing the quality of the contracted service. Understand:

Convenience

Access to the insurance broker’s website can be made at the most convenient time for the customer, without being restricted to business hours.

In it, it is possible to compare the pros and cons of different plans offered by different insurance companies and choose the one with the best cost-benefit.

Ease

There is no need to travel to the company’s office or wait for the broker to call. To purchase insurance online, simply fill in the form referring to the coverage of interest and choose from the service options indicated by the system. The best brokers offer support through many service channels, chat and exclusive content, useful to define the best choice.

Safety

The contracting of services over the internet has software that guarantees the confidentiality of customer data.

In addition, payment by credit card has all the necessary security. However, in digital times, having a good antivirus installed on your computer and ensuring your own digital security is also an essential measure.

What to consider before hiring?

Before choosing a broker, compare the variety and quality of insurers the company works with.

The more coverage and support services available in the portfolio, the more suitable the product choice will be. Also rate:

Reliability of insurers

Consult the website of the Superintendence of Private Insurance (SUSEP) to verify if the companies are legal.

Good insurance brokers only offer products from reputable insurance companies in providing services to their customers.

Either way, it’s important to research the histories of consumer rights websites, to assess how companies usually handle problems and support customers.

Whenever possible, choose leading companies or companies linked to market leaders, which have extensive experience and a vast customer base.

reliable indications

Talk to relatives, friends and trusted people who have already taken out insurance online. Check the morale of the brokers chosen by them on their social networks, through the comments and ratings made by customers.

Sites that feature customer testimonials about the quality of insurance and assistance services are also a good source of research.

Simple and functional platform

Choose a broker that has a simple, light and efficient navigation platform, in which the products are divided between those for individuals and those for companies.

A responsive website is also important as it makes it easy to access anytime and anywhere, allowing the user to have the same smartphone browsing experience.

Broad and easy support

The variety of communication channels (with chat, email, telephone, messaging applications, etc.) is also important, if the customer wants to clarify any doubts directly with an expert.

After all, a broker can sell its plans online without giving up traditional services.

At the same time, contacting a team of professionals that offers support and guidance for the client to make the most of the benefits of the insurance contracted makes all the difference.

This is because, often, the lack of support and clear information prevents customers from enjoying the benefits to which they are entitled.

Health Insurance

What are the 7 best health insurances for expats and immigrants in Canada?

Published

2 years ago

September 9, 2022

Sunny Wars

It’s time to see the best international health insurance for immigrants and expats in Canada and what are the positive and negative sides of each in my view. They are:

1. Cigna

The first place on our list goes to Cigna, this is an American company that maintains a strong presence in several European countries. Certainly, one of the best options for those looking for international coverage.

With a history of more than 60 years in the market, Cigna serves more than 170 million citizens spread across the planet. Nikki was once one of those customers when she needed to purchase insurance to obtain her Swedish resident card.

This company offers an impressive range of plans and serves expats and immigrants exceptionally well, including those intending to reside in Canada.

In these cases, you can choose between individual or family plans. One of Cigna’s great advantages is its flexible plans with the ability to adapt and additional benefits according to your profile.

When making a quote, you will be able to choose between Silver, Platinum, and Gold plans. These plans have coverage in over 200 territories and countries, excluding the US. There is also the Close Care plan, which ends up being more affordable because it only has coverage in your country of origin and in the country where you intend to reside.

2. IMG

IMG is another large company that offers international health insurance. Currently, it has 3 subsidiaries around the world and has been in the market for over 25 years.

An interesting point is that the IMG website offers support and customer service every day and in more than 17 languages.

Regarding plans, IMG offers several options, both in individual plans and family plans. In addition, they also have plans set up with specific objectives, such as for immigrants and expatriates.

These are options that aim for a long duration, of at least 1 year, and that can be renewed. However, there are also short-term plans, if that’s what you’re after.

The IMG website is very intuitive and simple to use, you can use filters according to the dates and duration you are looking for, your personal information, and your destination information. That way, you can get a very detailed price estimate on what plans and coverages are available to you.

3. Aetna

For more than 50 years of serving the world’s travelers, Aetna has won the “Best International Private Health Insurance Provider” award and is one of the global leaders in healthcare solutions.

So if you are planning to move to a new country and are looking for a reliable option, Aetna is a great option.

All plans from this company are flexible, which is good news as they don’t have a wide variety available. It is possible to add complementary services, such as dental treatments. Despite this, the plans offered are of excellent quality and have coverage of up to 5 million dollars.

Remember that all plans also serve families, and in all available options, medical evacuation and repatriation expenses are included in the coverage.

For ex-pats and immigrants, the most convenient plan is Aetna Pioneer, which has a minimum coverage of $1,750 million. If you’re interested, you can fill out a form to get an exact quote and detailed information about other plans available.

4. GeoBlue

Geoblue is a reference company when it comes to health insurance. She has been serving clients for over 20 years with quality digital healthcare services.

Going into detail, GeoBlue has several plans for them to suit their clients’ different goals, such as immigration. If this is your case, the Xplorer Essential plan is the most recommended, it is a long-term plan and has limited coverage.

If you prefer short-term plans, find out more about GeoBlue’s Voyager.

If you would like more information about GeoBlue’s plans and pricing, you must complete a form or contact one of the company’s brokers.

5. SafetyWing

One of the most popular options for travelers and digital nomads is SafetyWing. This is because this company offers a wide range of international health insurance options for remote workers, companies and immigrants.

One of SafetyWing’s great differentials is its identity, the website is super complete and intuitive where you can get all the necessary information in an uncomplicated way.

Another advantage is that this option has cheaper insurance and the possibility of covering up to 2 children up to 10 years old completely free of charge in your plan.

The values vary according to your age, in the most affordable option, the maximum coverage is 250 thousand dollars without the possibility of care for pre-existing diseases. However, it is possible to hire an additional that includes this type of coverage.

Plus, for every 90 days of plan purchased in Canada, you get 30 days of coverage in your home country for free.

6. Global Underwriters

Global Underwriters offers its quality services to different profiles of travelers who need international health insurance, covering the needs of students, digital nomads, and expatriates who venture to different countries.

The most suitable plans for immigrants and expats in Canada are Diplomat Long Term and Diplomat International.

7. Foyer Global Health

Foyer Global Health is part of the giant European corporation Foyer Group and is a specialist in international health insurance for travelers, students, digital nomads, and expatriates.

Being an extremely reliable company, Foyer Global Health is one of the options listed with the widest variety of plans available on the market, ideal to fit different customer profiles.