Reduce Health Expenses with Your Pet in 6 Steps

Reduce health expenses with your pet in 6 steps

Reduce health expenses with your pet in 6 steps

Ensuring the health care needed by your pet is essential to your quality of life and well-being, but can sometimes represent a considerable chunk of the family budget. Learn how to reduce veterinarian expenses without compromising the health of your pet.

food

food

Feeding is an important factor to keep in mind, especially in animals kept in enclosed spaces, such as apartments and cages, which limits their physical activity and can lead to weight gain, directly linked to cardiovascular problems and diabetes, as happens with humans. Talk to your veterinarian about the different feeding options taking into consideration the value for money to find the best solution within the budget available.

A search on the net now allows you to find reliable pet products with very attractive feed prices, even with delivery at home or elsewhere of your choice.

Physical activity

Physical activity

Ensuring a good quality of life for your pet also provides minimum conditions for physical activity, especially in the case of animals limited to enclosed spaces, such as apartments and cages (which must always be selected according to the requirements of the animals). Rides and play are always a good option, such as toys that allow them to spend all the extra energy.

Healthy teeth

Healthy teeth

Maintaining regular oral hygiene care is another aspect that you should not neglect if you want your dog, cat or even rabbit to have a long and healthy life, which implies less veterinary expenses. Avoiding sweets and regularly washing their teeth is half way to avoid periodontal disease, dental plaque, tartar and more serious problems such as bacterial endocarditis and kidney damage, among others.

Health insurance

Health insurance

High and / or unexpected expenses, such as in people, are always a possibility, especially in older animals, and a good reason to join an animal health insurance, as well as advantages such as more competitive prices of consultations and access to a vast network of services and professionals. Search the different options available in our country, make the necessary simulations and choose the one that best suits you and your animals.

Colleges of Veterinary Medicine

Colleges of Veterinary Medicine

Opened throughout the year, hospitals of veterinary medical schools offer services and consultations of varied specialties, including emergencies, at very affordable prices.

Some animal welfare associations regularly carry out vaccination and sterilization campaigns with lower prices, which may be free of charge – also ask your Town Council for advice – so it’s worth paying attention.

Do not facilitate

Do not facilitate

Take your pet at least once a year to the veterinarian for a more thorough examination and keep the vaccines up to date. Also follow the recommendations for internal and external deworming of your pet, if applicable.

Voluntary Regime IMSS: Health Insurance for the Family

 

 

 

 

For those people who do not have a subordinate employment relationship, which allows them to have access to the Mexican Institute of Social Security (IMSS), they have options, such as the voluntary scheme. Do you know what it consists of?

There are many people in our country who do not have a job under a subordinate employment relationship and remuneration, such is the case of professionals who work on their own or people who know some trade and are engaged in providing their services, as well as those who own of some business ; consequently, the persons mentioned above are not registered in the compulsory regime of affiliation to the Mexican Institute of Social Security (IMSS), where usually a person is affiliated by their employer because they have a subordinated and remunerated employment relationship, which forces their assurance.

Notwithstanding the foregoing, within the modalities of insurance to the IMSS, there is a Voluntary Regime in which individuals can join individually or collectively in order to have access mainly to the coverage of IMSS services in relation to medical care, medications, hospitalization, surgical interventions, laboratory studies and x-rays, basic dental service, maternity care, among other services.

According to the Institute’s own figures, within the modalities of the voluntary affiliation scheme to the IMSS, the Health Insurance for
the Family and the Optional Insurance (students) together concentrate almost all the affiliated persons in this regime. In less proportion are domestic workers, employers, individuals, independent workers and the voluntary incorporation of field workers.

Health insurance for the family

Health insurance for the family

The Family Health Insurance is an insurance that can be accessed by people who do not have a subordination and remuneration work relationship and gives the opportunity for people who do not have social security to access the medical services offered by the IMSS as : medical, surgical, pharmaceutical and hospital assistance, through the payment of anticipated annual fees.

Considerations:

a) This insurance can be purchased at any time of the year and may be individual or collective to incorporate family members.

b) This procedure can be done online through the digital services of the IMSS on its Internet portal or in person in the sub-delegation corresponding to the person in days and working hours.

c) To access this insurance, it is necessary to pay an advance fee for each person who will join it. The amount of said quotas updated as of February 2018 and until January 2019 is as follows:

d) Finally, it is also important to consider that people who present :

  • Some pre-existing disease such as: malignant tumors, chronic degenerative diseases, chronic renal failure, heart valve disease, heart failure, among others.
  • Chronic systemic diseases of the connective tissue, addictions such as alcoholism and other drug addictions, mental disorders such as psychosis and dementias; congenital diseases and Acquired Immune Deficiency Syndrome or Human Acquired Human Immunodeficiency Virus (HIV).

To obtain details of the documentation, information and procedure for the incorporation to this insurance you can access here.

Securing Your Future, is to Ensure Your Health.

The first month of the year is gone and with it many changes continue, so we want to give you an overview of what is happening in terms of personal and family health issues. Important changes in the health sector, which could be reflected in the quality of public services.

To ensure your health, is to ensure tranquility.

To ensure your health, is to ensure tranquility.

As part of the austerity reforms of the new government, the disappearance of the Major Medical Expenses (GMM) insurance was started, with the consequent saving of 2,700 million pesos for premiums, without considering the effects it has on the demand. of public health services, in this case mainly on the Institute of Security and Social Services of State Workers (ISSSTE).

According to the 2017 Statistical Yearbook, active workers, pensioners and their respective dependents amounted to 13.3 million people, with a total of 23.7 million consultations, that is, an average of 1.8 consultations per person, leaving the demand of services of this institution only in 2017.

It is pertinent to remember that both former officials and public servants in force had until December 31, 2018 of a GMM insurance also have the medical service of ISSSTE, as they contribute with their contribution of 3.375% on their base salary and of course, the part of the employer’s contribution.

Most of these officials did not sue the ISSSTE for medical services, at least as regards the most serious and therefore the most costly diseases.

This fact can tip the balance in a very negative way in said Institute since, what generated an income now will generate a deficit, which is why the demand will increase therefore the quality of attention and service will be affected.

In Quasimodo Mexico we are looking for ways to help your protection remain in force, seeking to be the best ally for your health and that of your family.

If you are or were a public servant, we provide you with a policy of Major Medical Insurance that:

1) It fits your economic needs.

2) Recognize your seniority to eliminate waiting periods.

3) Increase your protection against serious diseases.

Most medical expenses insurance have waiting periods for certain conditions. We help you recognize your seniority so you do not have to wait, remember that there are few days left to make that happen.

#PortuTranquilidad:

We offer you the peace of mind to protect your family assets in case of being affected by any eventuality in your health or that of your family, remember:

“Time is today, ensure your tomorrow.”

5 Reasons to Take Out Health Insurance

With the current state of the national health service and the increase in the rates of moderation we have seen an increasing interest in health insurance. In this article we will give you 5 reasons to take out health insurance.

What is insurance for?

What is insurance for?

First and foremost, we must reinforce why we are insured. Regardless of the branches, we do insurance to pass the consequences of a claim to a third party, the insurance company. We pay a value (the so-called premium) for this possibility but with this amount we will have a set of advantages or characteristics that we can value (if we do not value we must withdraw this coverage of the policy).

Having access to the health we need

Having access to the health we need

One of the worst things that can happen to us is waiting for a health treatment that is urgent. Unfortunately, as we are dependent on the national health service, we may have to wait . The quality of the clinical service is very good (depending on the areas of the country). But the problem is having to wait. We may have to wait for important consultations, examinations, or operations. And with health you do not play …

Greater service speed

Greater service speed

Those who have access to private medicine have faster health care. Who has not had the experience of having to make appointments months in advance in the NHS ? And even scoring did not have the possibility to choose the doctor of your election? If you have health insurance you can choose the best doctor and the deadlines for care are reduced.

Protect yourself against heavy expenses

Protect yourself against heavy expenses

Health insurance has associated a set of coverage that may be more or less comprehensive. These coverages ensure that the insurance company will be responsible for the payment of the expense, whether of low value or high value (respecting the limits). We know too many cases where people are confronted with too-large examination prices that could have been avoided if they had good health insurance .

Better medical follow-up

Better medical follow-up

Many people tend to go to doctors only in situations of need. They tend to do tests at a reduced frequency, and they put their health at risk. Having health insurance allows you to make periodic check-ups that can prevent illness or more complicated situations. Regular diagnosis and follow-up lead to better health.

Paying an insurance premium may seem like an unnecessary expense. However, there are a number of reasons which may justify this expenditure, especially at a time when the moderating rates are already comparable to the insurance franchise prices. The choice of the best health insurance follows some rules and a qualified mediator can be a great help both in terms of coverage and in reducing the price to pay. Fill out the form below and see the best health insurance for you!

7 Essential Foods for Your Health

When we talk about eating healthily, many of us think of complex recipes, natural products and consequently more expensive for any wallet.

However, eating healthily does not mean properly preparing complex recipes or possessing money that can feed these healthy habits.

On the contrary, many of the healthy habits are low cost and accessible to anyone.

Here are some foods that are essential to your health and at the same time accessible to anyone.

Strawberries

Strawberries

Rich in antioxidants, strawberries are an incredible source of folic acid and contain more than 100% of the recommended daily allowance of vitamin C.

tomatoes

tomatoes

Affordable in price and possible to be found in the most diverse locations, tomatoes protect the body from skin damage making it more protected from UV damage.

Men have been identified as potentially reducing the risk of prostate cancer.

Carrot

Carrot

Another pretty handy food that contains vitamins with vitamin A, vitamin C and vitamin K. Carrot is still a source of fiber.

Olive oil

Olive oil

Two tablespoons of olive oil a day provides a number of health benefits you can not even imagine. From improving bone health to improving brain function, olive oil has numerous benefits.

I leave here a study and some of the benefits of Olive Oil.

  • Cardiovascular system;
  • Prevents stroke;
  • Reduces risk of depression;
  • Reduces risk of breast cancer;
  • Maintains healthy levels of cholestrol;
  • Among others…

Garlic

Garlic

Rich in antioxidants that promote heart health, garlic also reduces the risk of some types of cancer and improves memory.

Seeds Chia

Seeds Chia

Seen as a miracle by the Aztecs, chia seeds are tiny in size but huge in nutrients, antioxidants, proteins, omega 3 and others.

Excellent for those who want to lose weight and improves the sportsmanship of those who want to exercise.

Whole Rice

Whole Rice

Selenium, magnesium and fiber are present in brown rice in incredible amounts. Brown rice helps weight loss and bowel function. It also reduces the risk of developing cancer and arthritis.

 

Health Insurance SMS Fast Loan

Estonia generally has solidarity with the health insurance system, which means that all Estonian citizens or those who are entitled to health insurance are entitled to the same level of quality care regardless of whether they pay or not. Health insurance costs the health insurance fund.

National health insurance does not apply to everyone. Health Insurance Act, every person lives permanently in Estonia for whom social security contributions are paid. The amount is compensated for by those who do not currently contribute – like the unemployed, pensioners or children – if the amounts of the social security fund reflect the amount. In addition to rewarding social care, people are confirmed, such as students, conscripts, pregnant women, unemployed, pensioners and spouses.

However, national health insurance is far from covering all the medical costs, and thus a situation may arise where an accident or illness will cost a day’s allowance and many other unexpected medical expenses. Its main advantage is what the sickness benefit is paid for the period that a person does not go to work because of illness.

If a person has no public health insurance or a desire to receive health insurance that covers medical expenses and protection unexpectedly, it would be wise to enter into a voluntary health insurance company. Voluntary health insurance is quite different and health insurance, but it is not an extra bonus, but just an opportunity to get an equal cover if not the current health insurance solidarity.

Voluntary health insurance benefits and medical expenses

Voluntary health insurance benefits and medical expenses

One of the main reasons to prefer voluntary health insurance is shorter waiting times. Such a can get an insurance doctor’s visit for five days, compared to a normal waiting period of a few months. It is also possible to get access to specialists without a referral from a family doctor, which makes editing much easier.

Currently, only health insurance is Arwo insurance, but instead there are various bonuses and various doctors and clinics all over Estonia who are partners in the insurance company health insurance and hence the company against the insured priority. In addition, the policy applies to all Baltic States, which provides additional security when to travel frequently in Estonia, Latvia and Lithuania.

Voluntary health insurance may cover medical costs such as:

  • The cost of outpatient – insured will be replaced at each outpatient treatment cost of 750 euros and returned 75% of the cost of doing so is not less than 25% of the excess fee for the visit. Paid outpatient services include, for example, family doctor or specialist visits, diagnostics, ultrasound, x-ray, laboratory tests, and other necessary tests, pregnancy monitoring, diagnostic and therapeutic procedures such as injections that bind. With regard to a company, a contractor party may receive treatment for five days, but may refer to any treatment as a point of treatment.
  • hospital treatment – Cost of hospitalization for unexpected situations and emergency medical and hospital care insurance company reimburses the cost of treatment 100% – the insurance company pays the amount directly to the hospital and balances the year 1000 euros. Recycling the following services: wage costs, diagnosis and treatment costs, operating costs, hospital catering, medications and other expenses planned medical expenses, as well as around stationary day clinics clock.
  • dental – In addition, the insurance company will reimburse 50% of the cost of dental insurance for the period of 50 euros. Dentists in dental care also benefit from the following services: reception, consultation filling, improving seals, necessary studies and oral health promotion and disease prevention. In contrast, the compensation does not cover the cost of dentures or the cost of cosmetic surgery.
  • Healing an Accident – Treatment after an accident is a cure that is required due to an accident that treatment is necessary because of an unforeseen event. The accident after treatment has been divided into two categories: damage to rehabilitation and dental benefits. The first therapeutic benefit is compensated by various procedures for rehabilitation and related tools, such as the cost of rehabilitation, braces and equipment, wheelchairs, baths, gymnastics and the like. The benefits of dental care include up to € 1,000 per year of operating costs necessary to repair the damage caused by the adaptation of the teeth or jaws of the accident.
  • Critical Medical Costs – One of the most important insurance covers a critical illness in a hospital (including studies, business, private room fees, etc.), reimbursed up to 7000 euros per year. In a critical condition, the disease that has occurred during the insurance period and for the first time since the insurance period, and the contract specified in the contract. The insurance contract thus marked the diagnosis of the disease, according to the International Classification of Diseases, then first consult the fact that the contract for such a disease is labeled. The insurance company replaces all medical expenses for the people involved in the treatment, as well as reimbursing the cost of the drugs if these costs are not covered by the health insurance fund. Critical diseases include, for example, cancer, active tuberculosis, stroke, Parkinson’s disease, certain organ transplants, kidney failure, aplastic anemia, multiple sclerosis, and many other diseases.

Voluntary health insurance award conditions, price insurance and claims procedures

Voluntary health insurance award conditions, price insurance and claims procedures

Health insurance can be awarded if any person who wishes to supplement the state health insurance or is not a valid health insurance, but it has to be taken into account that the insurance contract can only be issued by a person who is 3-55 years old and who is not yet a chronic illness that can Influence safety incidents. This means that for some existing or chronic illness, it is possible that the insurance company may refuse to award the contract.

The insurance premium depends primarily on the age, health, hobbies, work, local and selected packages of the insured. In a simplified way, for example, a more affordable premium 25-year-old woman working in an office than a 40-year-old man working in the construction industry. The more dangerous a hobby or job, the more expensive insurance premium as part of the development of insurance risk. Smaller premiums can only be € 260 per year. (For example: Arwo EHIF Calculator Model Payment An estimated health insurance annual payment for a person born in 1970 € 454.85, while a person born in 1995 for health insurance is only € 259.05).

You can choose from health insurance: Estonia, Europe, World or the world + USA. Because the cost of treatment varies from region to region, the above-mentioned areas have a dramatic difference – the United States does not have a state processing system so that local treatment is expensive and hence the region is choosing a higher premium.

Different insurance package cost does not have a significant difference, and the main difference lies in the amount of medical coverage covers – such as a lower insurance package to be a critical illness reimbursement of 6.000 EUR, EUR 7000 but a larger package case. Since the six price difference is not so dramatic, it is always advisable to take a slightly larger package that offers maximum protection, as 1000 euros could be a very critical situation and make a big difference a lot.

Treatment should be contacted by a doctor as soon as possible – voluntary health insurance, insured have the right to contact the insurance company’s contractual partners to receive medical care, and in this case it is possible to get a priority. However, before starting treatment with the hospital, the insurance company should be sure to find out if and how to send a letter or a card or extract to the clinic. The reimbursement of hospital care is issued by a letter of guarantee and the insurance pays the medical expenses directly to the necessary powers. Other types of treatment required, medical expenses insured, and then send receipts to the paid insurance company – after the insurance company pays the medical expenses for compliance with the insured practice according to the interest rate agreement.

Even at a young age, think in return for concluding additional health insurance because the EHIF does not pay the cost of various treatments, hospital expenses and fees to visit. Health insurance should be concluded as soon as possible, so undoubtedly the accident will not come out, even if the health is fine, you will never know if you need to be a specialist or go to other treatments. Twenty additional cost per month is a fairly low price for a sense of security guaranteed by voluntary health insurance.

International Coverage in Health Insurance for Employees

An international assignment or a work trip can be an incredible life experience, as well as a growth opportunity for your collaborators. However, with an eye on internationalization, the question also arises: how to protect my employees when they go abroad?

Outside the country, your collaborators can be a very valuable asset for your business, since they come back with experience and international contacts. To protect them, it is important to include an international coverage in the insurance of medical expenses for employees.

In what situations do you need international coverage?

In what situations do you need international coverage?

Some examples where you might need medical insurance abroad:

  • When your collaborators visit foreign offices to work for 3 months.
  • Your employees will move abroad for a long period of time to establish new offices.
  • Your executives travel around the world and need special coverage, as well as other benefits, in their corporate plan.
  • You sponsor an international conference to boost your sales force and you want to protect your employees while they are out of the country.

In these and other cases, offering benefits such as insurance for medical expenses for employees or international travel insurance ensures that your workers are calm while working outside the country.

Why acquire international coverage for your collaborators?

Why acquire international coverage for your collaborators?

If you are in charge of employee benefits or plan trips for those who work internationally, you should anticipate and protect them from the risks that could arise in your destination.

Since your employees travel on behalf of your company, it is crucial that they are protected against accidents, incidentals, injuries or travel cancellations. Surely, you want them to carry out their tasks without worrying.

How to acquire medical insurance for employees with international coverage?

How to acquire medical insurance for employees with international coverage?

As well as international health insurance or group travel, you can review your current plan, including extra benefits and exclusions. Before doing so, ask your collaborators what their needs and priorities are.

Then, contact your insurance agent to receive different options and insurance quotes. We recommend analyzing what is the best coverage for your employees, always thinking of offering a successful and safe work experience abroad.

At Candis Group, we work with the best insurers and we can help you to quote the best international coverage. Our team will guide you during the process.