April 21,2008 Author: A. Subrahmanian

For the past several years there is a large surge in the number of students travelling abroad for higher studies. Many of them are flying across the border to get quality education in the form of graduate and post graduate programs. As the world has become a village quality education has become accessible to those who aspire for the same. Out of many countries which welcomes foreign students for education United States, United Kingdom, Singapore and Russia some of the all time favorites.

Do you have plans to travel abroad for studies? You might have selected your university, You might have selected your stream of study. You definitly have thought of and arranged your accomodation, your food, your clothes and how to call back home etc. Have your ever thought that what will be situation if disater strikes on your health or you loose your belongings like passport or other valid documents while you are in a foreign country. Keep in mind that your friends and relatives are not with you to ask for help. I am sure that one will feel like he is in a no mans land. While in a foreign country you should be secured enough to handle these type of tragic situations. A student medical insurance or a student travel insurance will be a precious asset to be secured. Consider buying a International Student Medical insurance policy while going abroad for your higher studies and be good at your studies.To more about student insurance policy get a Free student insurance quote , visit the website www.mnui.com.



March 3, 2008 - Author: J.Seay

In the US, we live in fear everyday, we live and breath in the day of insurance :). We have life insurance, term insurance, house insurance, car insurance, health insurance , computer gadget insurance, malpractice insurance, and I carry my student malpractice insurance all the time. We say we are a nation who believes in freedom but I think we are a nation that is slaved to fear :). But, having say that, it is still the best nation on earth and how do you make the most out of this scenario ? Well, to me, having insurance give me a piece of mind. I know when I bang my car into someone else, I know it will be taken care of and I sure will not walk around without my student insurance, would you ? If you do, I am sure you are a Spider man incarnate 

Study abroad is one of the most popular trends now among students these days. A lot of colleges offer a College Study Abroad Program. If you do sign up for such program, bear in mind that you will need to protect themselves should a medical emergency occur during an international stay, especially if it requires an emergency medical evacuation and/or transportation services. . Your parent’s policy probably will NOT cover you when outside of you home country. It would be cheaper to consider buying an International Student Medical Insurance policy or Student Travel Insurance for their next semester away from home. You might be interested to find out the Free Quote for Student Insurance


February 26, 2008 - Author: Karlana Kulseth

As a parent, I often worry about if my children are covered anything that happens in the future.  I am sure I do not stand alone in this thought.

But what about you parents who have children who are studying abroad?  Especially those college students who take up semesters in different countries to expand their experiences?

Parents, you might want to look into student insurance for study abroad.

Sure, you may have insurance, but you read your policy recently to see if your children would be covered outside the country, or outlying U.S. territories?  Looking into policies that are offered by MultiNational Underwriters could be a lot less expensive than purchasing an international student medical policy or travel insurance.

If you are looking for more facts and different types of coverage, visit MultiNational Underwriters at http://www.mnui.com.


February 22, 2008 - Author: English Advantage

One of the biggest mistakes you can make coming to the US is to come without health insurance. As a student you are going to need insurance anyway, because universities require students to have insurance policies before they can enroll. And you need it. Last year when I had a wart on my back, I went to my doctor for 15 minutes just for him to tell me it wasn't serious. That 15 minutes cost me $200! Without insurance there's no way I could have paid that.

You don't want to do what some international students do either, which is not go to the doctor because they can't afford it. If you have something wrong, you want to be able to get it checked out.

Now if you're an American planning to study abroad you may think you have it made. Healthcare is so much cheaper abroad, right? But when you're sick or seriously injured you need to not worry about medical care. In a different culture, a different system, you want to be able to go to a proper doctor and have costs taken care of. When I got sick for the first time in Kazakhstan, my friends sent me to a local doctor because it was so cheap. This guy told me to drink yogurt twice a day and put mustard on my back to stop my cough. No wonder it was cheap. I could really have used some insurance so I could just go to a proper hospital and get normal medical advice.

So check out this site for a Free Student Insurance Quote with Multinational Underwriters. Or call them up on their hotline and talk to someone. Find out how much student travel insurance will cost; probably it's cheaper than you think. And unlike your existing policy, which may not even cover you outside your home country, these policies are designed with staying in a foreign country in mind! Many policies even include Acts of Terrorism coverage and Emergency Med Evacs! You won't regret it.



February 4, 2008 - Author: james_sgp

As a frequent diver and instructor, I have witnessed many accidents; from the minor ones like people falling on wet boat decks and cutting their legs, to the more serious one involving a diver being pulled into a moving boat propeller! As you can image the cost for visiting a hospital with a cut on your leg is minor compared to that of being admitted to hospital for weeks, where multiple surgeries may be necessary…

Add to that the always present possibility of a case of Decompression Sickness, needing treatment in a Recompression Chamber which easily goes into the thousands of dollars!

Yes, we all plan to dive safe; but that’s the problem with ‘accidents’ we can never predict them. I encourage divers to have some kind of travel insurance, especially something that will cover medical costs! Visit MultiNational Underwriters as they offer some international travel insurance that specifically looks after us as divers. There Hazardous Sports Rider plan covers medical emergencies while diving, from only US$1 a day!

Visit MNU for a FREE Quote






Climbing Kinabalu
January 18, 2008 - Author: R. Davis

Mount Kinabalu is not a technical climb, means that you don’t have to bring any special equipments or apparatus to help on your climbing. It’s a straight forward climbing, and some climbers considered it as a hiking activity.

There’s always risk on any climbing activities. As long as you are moving up or down (against or towards the gravity), you will definitely exposed to danger of falling, which may leads to injuries. Depending on your condition, falling down can be really trivial but sometimes can be dead serious.

I will write about fall at the end of this article, but let’s get through 8 most common injuries on climbers, in which I have divided it into 2 main groups:

  1. 4 Injuries from the climbing activities itself,
  2. 4 Injuries from the exposure of our body to the environment.

Emergency Room

4 Injuries from the climbing activities

1. Foot
The most common minor injuries to your foot during the climb is blisters. It can be caused by unsuitable shoes, as wearing a pair of shoe that is not your size will increase friction of your feet with the padding of the shoes. This friction can leads to annoying blisters which could really spoil your trip.

Wearing unsuitable socks can also be one of the causes, as nylon & polyester material will not absorb your sweat properly and they usually are not thick enough to do it. Thick socks from wool material is the most suitable, as it could absorb sweat, isolate heat (which will help you warm your feet at the peak) and protect your feet from friction with the inside padding of the shoes (which could leads to blister formation). Cotton socks is unsuitable as you are at risk of hypothermia as it retains water.

2. Hands
Hand injuries usually happened at your second stage of your climb, where you use it almost all the time to hold the guide rope on the Summit Trail. As the trail is more than 13,000 feet above sea level, low temperature and strong wind will almost definitely make your hands cramp and numb, unless you use one, or even 2 pairs of gloves to protect it.

It depends on your preferences, some climbers like to wear water-proof gloves, but I opted with some normal cotton wool gloves that is usually use by local construction workers. And I wear 2 pair of those.

3. Upper body (trunk)
Most climbers will climb Mount Kinabalu with less than 10kg of backpack. Unless you need to spend more than 1 night, it is really not necessary for you to bring more loads, as excessive loads could injure your upper back muscle, especially if you don’t have enough training.

Shoulders, upper back and spine, and even your lower back muscle is the most affected, as moving your body uphill with the loads actually increases your potential energy, which means you need more energy to do the work. By this, it is more prone to get injury.

4. Legs and lower limbs
The body part that is primarily used for Mount Kinabalu climbing. Can easily get injured at almost every part - the bone, muscle, tendon and ligament - unless you have a good workout and training for this kind of activities.

Your muscle will be used to the limit when you climb uphill, but it is your joints that is working during your downhill climb. As climbing down releases potential energy, you joints works to absorb more shock with every footstep to stop motion instantaneously.

4 Injuries from the exposure of body to environment (or some medical professional describe it as illness).

1. Hypothermia
Hypothermia is a condition in which your body temperature drops below that required for normal metabolism and bodily functions. This condition could happen while you are on the bare rocks of Kinabalu, 13,500 feet above sea level. The temperature can drop to below 5 degree Celsius, and prolong exposure to this environment can leads to hypothermia.

Most climbers will wake up at 2am in the morning to start the second phase of the climb through the cold darkness. You will be exposed to cold temperature for about 4 hours - which can be really cold if it is raining and windy. Wearing thick clothes and maybe a simple raincoat will reduce the risk of hypothermia.

*Do you know that the cause of death of Ellie was hypothermia?

2. Dehydration
Dehydration is a condition in which our body contains an insufficient volume of water for normal functioning. During the first phase of the climb, your body is exposed to fluid loss from sweating. You may exposed to dehydration if you climb uphill without consuming adequate water, especially in a hot and/or humid environment of lower zone of Kinabalu.

That is why the authority have set up huts on the Summit Trail with untreated water tanks for you to refill your water bottle on your way up and down the mountain. Drink a lot of water on the way - better still put a sachet of oral rehydration salt into your water to replenish the electrolytes that you have loss from sweating. You can easily get fatigue if you are dehydrated.

3. Altitude sickness
Altitude sickness, also known as acute mountain sickness (AMS) or altitude illness is a pathological condition that is caused by acute exposure to low air pressure (usually outdoors at high altitudes).

It commonly occurs above 2,400 meters (approximately 8,000 feet). Bare in mind that Laban Rata is at about 11,000 feet above sea level. This condition is caused by reduced partial pressure of oxygen, while the percentage of oxygen in air remains essentially constant with altitude at 21 percent.
*I have explained about altitude sickness here.

4. Internal organ illness
Is what happened to your internal organ when exposed to all external hazard - the weather, the altitude, the heat, the food, the water, the environment… You name it… As the list go on, this is what you have to bear in mind.

You could experience just about any illness that is related to the hazard. You may have to prepare yourself with a good first aid kit to relieve the symptoms, hoping that it would not hinder yourself from conquering the highest peak of Borneo.

Fall
I could not categorize fall in either of the group above. While all the above known injuries could be prevented with a good preparation before and during the climb, falling is not. A lot of external factors that could leads to fall - as you are climbing against and towards gravity.

Wet boulders and rocks can be very slippery sometimes. Wrong judgment and misaligned foot while walking through slippery surfaces can leads to fall. It is not about the mountain all the time, but climbers can sometimes be careless and ignorant.

Air Rescue

What could happen if you get injured from a fall?
Porters of Kinabalu have a very systematic way of lifting injured climbers down the mountain. As what Leong have wrote on his Multiply page, the only way available (at this moment of time) is to strap the injured climbers on a stretcher and bring them down carefully.

There are some issues on air lifting injured climbers down from Mount Kinabalu by helicopter, and up until now, it has not been totally resolved.

However, we have good news for climbers who are concern about their safety. Insuring your trip to Mount Kinabalu may alleviate your anxiety if anything happen. Multinational Underwriters’s travel medical insurance policies have an optional “Sports Rider” that will cover you when you do hazardous sports. They could provide airlifting for any emergency medical evacuation, and could cost over $30,000 depending on the location and rescue. Check it out.


The insurance industry continues to evolve.  New products are introduced… some succeed, some fail.  One product, however, that continues to survive the cyclical nature of the industry is short term health insurance.

Perceived as probably one of best values in health insurance short term medical insurance offers an affordable solution for many consumers and situations.  Some of the more common needs include college students and recent graduates, young adults who are no longer eligible on their parents’ plan, employees transitioning between jobs or waiting for group health benefits to kick in, those seeking an affordable alternative to COBRA coverage, individuals not yet eligible for Medicare coverage, and part time employees.

Recently MultiNational Underwriters, an Indianapolis based company, has created a new category that may be added to this list… new residents of the United States.  This company very recently started marketing a plan called Amigo Medical.  The design of this plan provides anyone who is legally residing in the United States to apply for coverage without providing proof of citizenship, and without restrictions on prior length of established U.S. residency.

In the past I have talked with many consumers who did not have an option for health insurance because either they had not lived in the U.S. long enough to meet the residency requirements of health providers or because they did not yet have a security number.  This innovative short term medical plan also offers a copay benefit which is virtually unheard of with short term medical plans.  Click here for a free quote and to learn more.



January 17, 2008 - Author: A Davis

Going on vacation involves some formalities that are not very exciting but if you neglect them it could cost you dear. Passports and visas are obvious, but good travel insurance is something that many travellers fail to research - to their cost.

You cannot rely on your annual medical insurance if you are going abroad, but you can view several affordable plans here - they have different ranges of travel cover depending on your age and destination. This is money well spent so you can go on vacation knowing you are covered against emergencies.  On the website you can also get a free travel guide to help you explore the benefits of your destination before you arrive - just leave your email address and destination and your holiday guide will be sent to you today.  


January 14, 2008 - Author: Spice

Growing up Sean was on a soccer team that used to travel outside of Ireland. Most of the games they played were in Ireland but every once in a while they'd play over in England. Now doing this was a bit risky only because if he got hurt playing soccer outside of his country, their insurance would not cover it. Now this was a long time ago, but it's the same today. Say, for some reason, Tristan's team made the states and then the nationals and then for some reason had to go and play outside of the United States - he would not be covered by our insurance if he got hurt. There is a travel medical insurance you can get from MultiNational Underwriters that helps you out just for this type of thing. I was told by Tristan's coach to Check it out for the team "just in case". (And that's a BIG 'just in case'). I did find out that they offer a "Sports Rider" that you can add to your insurance. From what I found it it's very affordable and covers the player if they get injured. Personally, I think this is an awesome idea. I don't forsee us needing it in the near future, but as the kids grow older it's nice to know it's out there. Who knows, maybe one of our kids will want to study abroad over in their daddy's homeland of Ireland and if they're still into soccer then like they are now, this insurance could come in handy! I can see my little guy going to college in Galway and playing on their Rugby team. We'd definitely need it then!


January 11, 2008 - Author: Villaruel J.


Yes we're all psyched about the Olympics, aren't we? We've got our airline tickets, made hotel bookings, stadium tickets and we probably stashed away some savings for our pocket money too. The Olympics is just around the corner but are we all prepared for everything? How about medical coverage for the trip to China? Okay if you think your current health insurance will cover your travel to Beijing, better check your policy again. There's a huge possibility it won't. If it doesn't cover travel abroad, then there's another thing to prepare for isn't it?

Why would you need a travel medical insurance you say? Well, first of all it's China! They don't exactly have the best records in environmental cleanliness and food safety as you may have found out by now. Up until now Beijing is still working on getting their act together in cleaning the Olympics area. Who knows if they'll be done when people get there? Of course, there's also their notoriously weird food menu. Can you say "Barbecued Bear Ribs" or "Eggplant prepared under mysterious circumstances"? These are actual Chinese dishes I tell you. I've had my share of weird Chinese myself and let's just say I wish I had insurance at that time.

o, if there's no turning back now, you might as well get travel medical insurance for everybody making that trip. A little investment now can go a long way you know. Before you check anywhere else, visit MNU for a FREE Quote today. I've checked them out already and found their best rates are much affordable compared to the rates of other providers that I also checked out.

With China's pollution problems and weird food, getting travel medical insurance coverage is an absolute must.



January 03, 2007 - Author: Steve Mcelligott

While I was traveling during the Christmas break I was offered traveler's insurance by my airline. I declined since I had insurance in Canada and the US (I'm lucky in that regard) but it made me think a little bit. Having traveled to China, Europe and other far off places, I know that the need for insurance is great, but how many people really pick up the option to get traveler's insurance when they buy their tickets?

That's why grabbing a small insurance policy, even one that's as little as $1 a day while you're away, can be a lifesaver. It can cover things like medical emergencies in a country, emergency evacuation, a doctor's visit, and etc.

Click here for a FREE Quote and check how much it is for you, I'm sure it's worth it to save yourself from the medical bills in the end.

Enjoy the new year guys, happy trails!

-Steve



As an adult male in his mid-fifties I have traveled internationally since early childhood.  Beginning in the 1950’s I spent summers in French speaking Canada and I recall how exotic it was to hear people speaking in a language other than English. I am reminded of these first memories each spring when I open the very same summer cottage that I roamed as a child.  How precious those first experiences continued to be as a young father as I watched with wonder as my children learned French in school and were able to converse in the local language on their summer vacations.

In the language of healthcare our two countries could not be more different.  The U.S. and Canada took different forks in the road back then.  Healthcare became a government service in Canada and in the U.S. it became a right bestowed by your employer.  Now, because of escalating costs, U.S. healthcare has become unaffordable to many millions of people and employers are curtailing or limiting coverage for their employees.  For all of its short falls, the Canadian system works for the majority of Canadians.  The U.S. system is failing many more individuals then Canada.

Today it is more important to buy insurance if you are a Canadian coming to the U.S. or if you are a U.S. citizen traveling to Canada.  Whether you are an international student, traveling on business or just on vacation you need travel medical insurance; MultiNational Underwriters of Indianapolis, Indiana is a leader in the travel medical insurance industry.  Atlas Travel Medical Insurance has been the brand of choice since 1998. Go to www.mnui.com to learn more about the company and its products.


December 13th, 2007 - Author: S. Lenka

Fascination to study abroad among Indian students has always been there. Over the years the fascination has grow exponentially. Bringing home a foreign degree is a matter of pride and prestige and a job becomes guaranteed. The other advantage of a foreign degree is the ample number of jobs available in the marketplace for foreign return students.

Apart from guaranteed jobs, things one learns abroad are always filled with new experiences. The focus of foreign universities is very clear: they would emphasize more on practical training and less on class-room lectures.
The cost of study in foreign universities varies widely among institutions and the cost of living varies from place to place. Apart from published costs students must prepared to cover hidden costs – which include:

• Personal expenses
• Costs when residence halls are closed,
Health insurance
• Change in the value of currency, etc.

The students in abroad are seeking medical care during their study. Sometimes the expenses are too high, that a student may not able to continue his/her study further. So, it is wise to make International students insurance policy. The policy helps to pay the medical bills and to take the help of expert doctors during the need. When you purchase health insurance, the premium (the money you pay) is used to pay the medical bills during any health care. Your coverage remains valid only as long as you continue to pay your premiums. Once you purchase insurance, the insurance company will give you an insurance identification card for you to use when you seek care from a hospital or doctor. The insurance company will also provide written instruction for reporting and documenting medical expenses (filing a claim). The insurance company will evaluate any claim you file and make the appropriate payment under you policy. In some cases the insurance company pays the hospital or doctors directly; in other the company will reimburse you after you have paid the bills.

 


December 7, 2007 - Author: Alice Lee

IF you are travelling, play it safe. Have a good travel insurance. Most insurance, including medical ones, may not cover travel related medical emergencies. If you are one of those who are not sure, before even booking your travel plans, you should first consider making inquiries about travel insurance.

Do not find out too late that your current medical insurance provider do NOT cover travel medical expenses when outside of your home country or that your current insurance covers only up to 50 per cent of the claim.

Often travel insurance are very competitively priced, some even as low as $1 per day and this meagre sum does go a long way towards a stress-free holiday.

Of course, no one wants to fall ill during a tour but for a nominal fee, let travel insurance give you that peace of mind.

I had been browsing several travel insurance sites and
this one offers pretty reasonable rates. Check it out. They also offer free quotes, no obligations.


December 5th, 2007 - Author: English Advantage
You may or may not realize that you need health insurance if you plan to study in the US, the UK, or most other Western countries. It's the law. At the same time, if you're an American planning to study abroad your program or host university will probably want you to have insurance too.

Already have insurance? Or you're on your parent's plan? Chances are that's not going to help you when you leave the country. And being sick is much worse in a foreign country--the language may be a serious barrier, the medicines are all wrong. Don't add the stress of how you're going to pay for it. And God forbid, what if you get seriously ill and need to be evacuated?

So whether you're leaving the country for 4 years or a semester, you need a student health policy. They're often cheaper than adult policies and you won't have to worry about anything. Check out Multinational Underwriters, which covers US and non-US citizens. Plus their student plan covers all your normal medical needs and emergency evacuation, acts of terrorism, and even sports injuries.
You can go here for a FREE international student medical insurance quote.

Hopefully you'll never need it, but you don't want to go anywhere without it.

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Thursday, November 29, 2007 - Author: thebazar

We all love to travel and recently I even made a trip myself which I shall be covering at a later post. But what I had wanted to share with all of you out there, who think that they have all the medical coverage that they may need as they travel overseas, it is time to seriously think about how far that coverage will go?

Why do we need Insurance as we travel overseas? Well, for one the food is often the most common cause of most hospitalisations overseas, lets face it, we as westerners just cannot stomach even a bit of spicy food. The minute we take it into our mouths, our tummies start rebelling right away. If we are fortunate, this distress may last only for a day or two at the most and can be handled with the most common over the counter medicines. But more often than not, our bodies just cannot handle all that hot and spicy food and as a result we often get dehydrated and need to be hospitalised. And naturally our medical expenses will just shoot up through the ceiling, and we may think that our insurance will cover all that. But here is the catch, whenever it comes to insurance, there always is a catch and the bottom line is that most of the insurance companies will not cover your medical expenses that you may incur overseas and what is more, even the few that agree to do so, will only agree to cover half of our medical expenses.

How do I know this? Well, in my last trip to Egypt, I ended up being hospitalised with both a broken leg as well as acute dehydration. What I had stated above had all happened to me . And just when I thought that there seems to be no proper travel Insurance coverage that seems to exist, I came across this company that makes sure that you get all the right coverage as you travel overseas and the best part is that they can give you the coverage for as little as 1$. So just go to this site and Click here for a FREE Quote. Happy travelling!


November 29th, 2007 - Author V. Quek - Really Nice Vacations

One of the most important, yet often over-looked aspect of travelling is insurance. The last thing you want to have on your vacation is the hassle of finding a doctor when you are feeling unwell. Or worse, not being able to get medical help.

What many people do not know is that general travel insurance might not be enough to cover for medical needs while travelling. Usually, there will be some kind of provision, but you might be required to pay 50% of the bill, or they restrict you only to hospitals and so on. For your peace of mind, you can get full medical coverage while on vacation for as little as $1 a day! Just take a look at this site where you can do this immediately. Click here for a FREE Quote.

This is not just a travel tip, it is also a tip to help you save money. Medical bills can get really hefty when you are in a foreign country. For example, in the USA, a visitor without proper insurance will struggle to find a medical practice willing to treat them! Or it could be really expensive and payment is expected up-front. This was a personal experience when I travelled and my son had an asthma attack - I had to pay up-front before they would even allow me to register to see the doctor!

Make your vacation an enjoyable one, make sure you have the appropriate insurance.


November 29th, 2007 - Author: destination

Traveling does not mean to pack your bag & walk on to visit the destination. Firstly planning is more important to focus on that destination than secondly after planning the more important & careful point is that we should do travel medical insurance which help us in many ways while traveling to a great destination. The travel medical insurance facility can help you to get rid off the interrupted glitches & emergencies even if you lost your luggage, you slip or you need a medical treatment.

At that time the medical insurance will be helpful definitely to get free from the entire above given medical problem, which you face during the traveling time. Therefore many of the travelers are getting the free quote before they start their journey. For a FREE Quote click here & get the travel medical insurance advantages. Lets be happy during journey & have a nice time with our family & friends.

Comments: November 29th, 2007 - by sallyontour

You are right about planning and the importance of insurance.

However, a friend of my sister's is planning to surprise his girlfriend with a trip to Goa (he has told her they're going to Scotland). He has ignored all advice that they will both need to be vaccinated and take malaria pills before they go; he says he will pop into a chemist shop when he gets there. He was also sure they did not need visa, but has since said he will get those from his doctor! Travel insurance cannot, unfortunately, provide for complete idiocy!


Wednesday, November 28,2007 - Author: zingaresca - The Expat Guide

If you are reading this site it is probably because you are wanting to move overseas. Kudos to you for that! And I am right there with you!

Now, before you make that move you will likely be traveling trying to figure out where you want to go and whatnot. If that is the case, do not let a medical disaster bankrupt you and sideline those dreams just because you were not carrying travel medical insurance.

If you have medical insurance through an employer or something then you may think that you are fine. Well, think again! A lot of travelers end up finding out the hard way that their medical insurance only provides coverage in their home country or only pays half of the costs. And considering the current exchange rate with the dollar being so low, that half could be a lot.

Why not just get a a travel medical insurance policy. Did you know that you can get one for as little as $1 a day?


November 28, 2007 - Author: A.Davis

One of the biggest threats to your next holiday would be the chance of getting sick without adequate insurance cover. The mistake that many travellers make is to assume that their regular medical insurance is in force for their trip, only to find that the policy extends simply to your normal country of residence. To avoid this danger on your next vacation, make sure you are covered!