Health Insurance And Dental Cover

Posted by Admin on 19 Jan 2023

Health insurance is an important aspect of a safe and stress-free life. However, it is important that one knows all the covers and conditions in order to get the full benefit. There are some things that you may think should be covered because they are a part of your health. Although it makes sense, most of the time those things are not covered. One of those things is dental coverage. let’s take a look at all the things related to dental coverage in health insurance!Does Health Insurance Provide Dental Cover? Health insurance covers do not provide coverage for dental procedures because they are considered cosmetic procedures. However, in case of an accident, the insurance policies cover for basic dental procedures. Since dental procedures are all under aesthetic procedures so they are not covered by health insurance policies. Why Is Dental Not Covered In Health Insurance?It really does not make a lot of sense for almost anyone to not have their dental or oral health covered since oral health is the gateway to your health overall. Your oral health can determine the overall health of your body and your organs yet it still isn’t considered a genuine health procedure rather than a cosmetic procedure. There are many answers to this but the most common one is that in most cases, unlike other health concerns, dental procedures can wait and are generally not life-threatening. And unfortunately, they do wait, most of them till the next paycheck! Other than that many dental issues are preventable with good hygiene and the correct use of dental products like quality toothbrushes, toothpaste, mouthwash, and floss. Unless you have been in an accident that deformed your jaw and you cannot wait because you need your teeth to eat and chew. In this scenario, the dental is covered to a limit included in your insurance policy. Is There Any Other Insurance Solely Dedicated To Dental Cover?In Pakistan, unfortunately, there is no such insurance policy that is solely dedicated to dental procedures. Due to the fact that dental procedures are not life-threatening and can wait till you have saved up for the appointment. And in other cases, many times the patients can wait out the pain. Even in accidental coverage, the dental is treated within 48 hours and only to the extent of pain relief. In Conclusion…After 48 hours if the dental pain is not treated, it will not be covered. Other procedures involving invasive methods like operation are also not covered by the health insurance policy. Any kind of operation needed by the insured will be paid out of pocket. This is due to the fact that dental issues might be related to your overall health but they do not threaten your life. Hence they are not considered a medical emergency. What you can do in order to have a dental procedure done is to either save up and wait till you have enough for the appointment or wait till the pain subsides on its own.

Travel Insurance And Trip Cancellation

Posted by Admin on 19 Jan 2023

Travel is a once-in-a-lifetime experience for some while others can travel every month conveniently. There are expensive trips and trips on a budget but either way, your money should never go to waste, given the flight gets canceled or there is some other sort of fallback in your plan. To avoid losing money in situations out of your control, it is important that you have insurance. Travel Insurance will prevent and reimburse the amount you may have lost otherwise and not only that but it also provides cover for emergency situations. Let’s take a look at how you can avoid being at loss in case of flight cancellation!What Is Flight Cancellation Cover?Flight cancellation cover allows you to get reimbursement for the canceled flight given the unforeseen circumstances. These unforeseen circumstances can range from the smallest inconvenience to the airline canceling itself. It also depends on the insurance company and travel insurance policy you’re buying. If the insurer and the policy align with the conditions you want to cancel then you can cancel the policy and get the mentioned reimbursement for your trip. Under What Circumstances Can I Get Reimbursed?This is a commonly asked question because, as mentioned above, the conditions under which one can be reimbursed for a canceled flight are different for different insurance companies and also for the package you purchased. One thing that is guaranteed is that you are covered for flight cancellation if the airline cancels on you for any reason. This type of cancellation can be due to any reason. It may be a pandemic, emergency evacuation, or due to them not boarding any more passengers. Personal Reasons For Flight CancellationOther reasons may be personal. Let’s say, you had an unplanned surgery due to any condition that you were not aware of prior to your flight, that makes you unfit to fly. Then most insurance policies will cover for the cancellation of flights due to medical reasons. Other reasons may include injuries that prevent you from flying, pregnancy, death of a travel companion, death of a host, natural disaster, act of terrorism, and many other reasons. What If I’m Abandoned In A Remote Place?Let’s say you’re traveling to the U.S. and your flight stops to stay in the Middle East en route. When you get there, the flight attendant announces that due to pandemic restrictions, all the flights to the U.S. have been canceled. This forces you to stay at a hotel. Since you have travel insurance, your stay at the hotel is covered along with food expenses and any other urgent services you need till you are placed on the next flight to your hometown. At this point, you have to inform your insurer about the cancellation of the flight so they can quickly get into action and make it possible for you to get back home safely. In this scenario, you will be reimbursed the rest of the amount or the full amount depending on your insurance company and the package that you purchased. When Is Trip Cancellation Not Covered?The trip cancellation cover comes with some exclusions where the circumstances may seem out of the control of the insurer but the cover will still not be applicable. Some of the circumstances are listed below.Any condition that existed before the insurance that may cause you to cancel the trip will not be entertained. Meaning if you had surgery or you were stitched up and your doctor forbade you to travel by air due to the risk of your stitches being undone during the flight and you still went ahead and booked a flight only to cancel it later, you will not be reimbursed. This does not apply due to the fact that you were already made aware of the risk.The same is true for other conditions, if you were made aware of the situation at your destination and you still chose to risk it and book a flight and decided to cancel it later, you will not be reimbursed.If you fail to inform your travel agency immediately when the cause of cancellation arises and decide to tell them later, you will not be reimbursed. It would be best if you informed your insurer immediately when the issue occurs because later the reason will not be valid.Common carriers caused issues such as announced and organized strikes that forbid all travelers from the same region to cancel their trip and will not be reimbursed.Government regulation or prohibition is not covered.Any fluctuations in the financial condition of the insured, travel partner, or insurer will not be covered.  Now we know why travel insurance is important, especially in a case where you get stranded on an unknown land without any financial aid most of the time. Other than that, it may take you an excruciatingly long time to save up the same amount again for travel. So it is only wise to purchase travel insurance to help you out in case of a fallout. So get your hands on travel insurance now!

Risk Management In Insurance

Posted by Admin on 10 Jan 2023

Insurance trends are ever-changing, so it is only fair to calculate the risks involved so everyone can get fair cover. The insurance industry is a pool where everyone puts in the money and then that money is used to serve the ones in need. So it is a collective fund from which anyone can benefit.What Is Insurance Risk Management?Insurance risk management is the skill of foreseeing and predicting possible risks from a customer’s point of view and making decisions based on those predicted events. This helps manage the flow of money for the ones in need. It also involves mathematical and statistical approaches to determine the premium and to calculate how much amount can be held and how much can be distributed.How Does It Work?Most of it is determined by how much risk a company can afford to bear. Then the premium pricing and marketing strategy are determined by keeping these goals in sight. This helps assist clients to foresee the risk events and how the claim rate will change in the future. This helps with a more market-responsive, risk-based pricing approach. This helps to enhance the feedback process from claims function to underwriting and product development. Which then helps regulate the plans and premiums accordingly for the clients.Why Is Risk Management Important In Insurance?Risk management in insurance refers to finding the possible threats in the future and eradicating them as much as possible. The trust of many clients depends on the insurer's capability of managing such risks. Risk management helps identify the threats and through research and teamwork, these threats are identified and taken care of ahead of time.How Do Insurance Companies Manage  Risk?Insurance companies can manage risk by implementing the most precise underwriting and creating a portfolio that minimizes the risk. Other steps include implementing a claims reserve policy, improving the core insurance practices, and collaborating with people who are pros at the technicalities of insurance.In conclusion, risk management helps get a clear and structured approach to identify and eradicate upcoming dangers and risks. Having a clear understanding of what we will be dealing with in the future is the key to constructing the best possible outcome for both clients and yourself. Even though risk and loss are inevitable to some extent but with the right leadership the company can lower the risk to a significant extent helping in fast-tracking the growth of the company. Let’s Compare is an online insurance comparison platform where you can buy insurance packages online from the insurer of your choice and the plan that suits your needs best. We are partners with the best insurance companies across the country, they have secured their reputation as the best risk management insurers and have their clients’ trust which makes us reliable for being affiliated with them. We have plans for health, car, and travel, and our new plans include bike insurance, marine insurance, and fire insurance! So get insured now with Let’s Compare!

Travel Bucket List For 2023

Posted by Admin on 09 Jan 2023

The new year comes with new plans and you should make some new plans and new travel resolutions for 2023! We have compiled a travel bucket list for you to follow while you travel. Let’s look at a few things you can do to make your travels amazing. Make More Time For TravelWe get it, time isn't the issue here. Money is! With ever-increasing inflation, it is hard to take out the budget to travel. To set aside the budget, you need to plan your trips ahead of time and budget accordingly. Search up the hotels you’ll be staying at, or better yet if you have a willing relative who can let you stay at their place, that can financially help with it. You can help them out with groceries and other services so as to not be a burden on them. This is how you can save up and have more time for travel. Having a travel insurance policy can also help significantly in saving up money!Learn A New LanguageWhether you travel or not, learning a new language will never go in vain. Learn a new language and hold hope to travel to the relevant country. Have you ever wondered why people of a specific region are experts in specific things? Like Chinese are generally good at math and Australians are good at directions. That’s because their conversation consists of those terms which help them have an upper hand. So learning a new language may unlock your hidden skill and make you a pro at that!Stop Overpacking!While traveling to and from the destination, make a pact to not overpack. Only pack the essentials and while coming back don’t stuff yourself with unnecessary items. Make a list of items that you can find back home and try not to spend your money on those. This is essential because sometimes when you overpack and the fortune is not on your side, you might end up spending money for nothing because they will ask you to unload many of your precious items resulting in the loss. Have Some Street Food!When vacationing, we want to try new things in new places with some extra experience. Which is how we end up spending extra unnecessary money. Especially on food! If you are looking for something truly authentic and on a budget, you must promise to try street food. Street food in an area is the most authentic cuisine one can try, made from local ingredients. It is also not expensive, so it’s a win-win!Travel To Help And VolunteerOne of the reasons you can travel is to help those in need. You can volunteer in refugee camps or be a sitter for the elderly while you travel. And since no labor goes unpaid for the most part so you may gain some experience or someone who is kind enough may even give you a few quick bucks! You can choose to do this if you are an empath and are enthusiastic about helping others in their time of need. Be A Responsible TravelerBeing a responsible traveler does not mean you should be ready to jump into a combative situation to help others at all times! As the popular saying goes, “Everyone wants to save the world but no one wants to help their mom do the dishes!” you are way less likely to run into an accident than to fall sick. So why not get yourself protected against all odds along with your loved ones than waiting for a life-changing event to be a superhero? So get insured before you decide to travel. Get travel insurance quotes online now!

How To Pay Online Vehicle Tax Payment In Pakistan

Posted by Admin on 04 Jan 2023

Along with car insurance, another ease for the citizens of Pakistan is the access to pay vehicle tax online. This has revolutionized the process of tax payment. The app can not only be used by car owners but also by motorcycle owners to pay taxes. All four provinces have their own app designed for the area that enables customers to pay taxes from the comfort of their homes. Both car and bike owners can benefit from this. Most of the functionality is the same for all the provinces. Let’s take a look at how one can pay taxes using the app for each province.PunjabLink to pay taxes in Punjab:  https://excise.punjab.gov.pk/motorvehicle_taxSindhLink to pay taxes in Sindh:  https://excise.gos.pk/taxes/motor-vehicle-tax/BalochistanLink to pay taxes in Balochistan:  https://bra.gob.pk/HowtopayTaxes.aspxKhyber PakhtunkhwaLink to pay taxes in Khyber Pakhtunkhwa: http://www.kpexcise.gov.pk/app/motor-vehicle-taxes/ All these websites contain an elaborate guide on how to pay taxes but below we will be explaining precisely how one can pay the taxes via the website.How To Pay Vehicle Taxes Online?Once you have your vehicle, either you bought a new vehicle or there was a transfer of ownership you should make sure that the previous taxes and tokens were paid before handing the vehicle to you. If not, calculate your taxes through a tax calculator app. These are calculated considering the category and engine capacity. Once all the details are confirmed, you are now ready to move to the next step. Now you should calculate your tax with the help of a tax calculator, which will help you know how much tax you need to pay. This should be easy as it is the norm. Other than that some provinces may want you to download the app from the play store or app store, sign up and pay taxes through the app.Online Tax Payment Method In PunjabThe Punjab IT Board developed an app under the instruction of the Finance Department of Punjab which helps taxpayers to access it easily to pay their tokens and taxes. To pay the tax, follow the below instructions:Download the Punjab e-pay app from the app store.Sign up to get started.Select token tax under the excise and taxation department.Enter your vehicle's registration number. This is the alphanumeric combination on your number plate.After the details are confirmed, generate the challan. Note down the PSID number provided to pay the tax. Online Tax Payment Method In SindhTo pay taxes in Sindh: Go to the relevant excise department website and click on Online Tax Payment.Now select Quick Pay on the tab that opened. Enter your mobile number and vehicle registration number.Calculate the tax you owe and generate the PSID to pay the tax.  Options To Pay TaxYou can pay tax through ATMs, Net Banking, or Bank Branches. Let’s look at each one in detail and how you can pay the surcharge through them.ATMOnce you enter your pin through the ATM, you should click on the tax payment tab. Select the excise tax payment from the main menu. Enter the PSID number issued to you. The amount against the PSID should be automatically fetched and displayed, which you can confirm to pay. Net BankingSign in to your banking app and under the Bill Payment option, select the option of tax payment. Select the excise tax payment option. Enter the PSID and the amount should be fetched automatically. Transfer the amount and you will receive a text on your phone confirming the transaction. Bank BranchesVisit the nearest bank branch and provide them with your PSID and other relevant documents, after that you can pay the vehicle tax. 

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Best Locations To Visit In Karachi In 2023

Posted by Admin on 30 Dec 2022

Vacations are a great time and opportunity to catch up and explore new places with your family. Karachi is widespread with various attraction points for families and holds a rich mix of fun and education. Some places you can visit to have a good family time and enjoy fun activities and others you can take your kids to and the whole family can learn something new. Let’s look at some of these places!Mazar-e-QuaidA great source of historic information and the final resting place for Quaid-e-Azam, Mohammad Ali Jinnah. It is usually peaceful on regular days however on national holidays it is bound to be chaotic. While all that chaos might be enjoyable for some but if you are taking your children along seeking some good knowledge then you should go on a regular day and pay your respect while providing information to the younglings. Sea View CliftonWidely known for its sea view, Clifton Karachi is a must on your bucket list. It has to be an amazing experience watching the sunset on the beach. The sandy beach with cool water splashing on their feet is an experience everyone should have once in their life. It is a perfect family spot for children to have the best of both worlds in sand and water. Extravagant sand castles and subtle beach waves are bound to keep your children occupied for the longest time. However, you need to keep a keen eye on young children and not leave them unsupervised in the vast ocean.Charna IslandFamous for its colorful inhabitants and radiant underwater views, Charna Island is a spot to get your adrenaline kicked in. It is located in the middle of the sea as a giant rock. It holds space for many activities like scuba diving, snorkeling, cliff diving, and underwater photography. It is also used by the navy as a shooting spot and is also popular among fishermen to catch fish of different species. It is also a great source of information and interest for children with its very inhabitants of different kinds. Toobah MasjidAlso known as the Gol Masjid is a sight to behold. It is made of white marble and is the largest single-dome mosque in the world and the 18th largest mosque with the capacity to hold 5,000 people in the prayer hall. The mosque is made effectively to carry the smallest sound from one corner to another without the help of a megaphone which is very impressive given the era it was built in. It is a good place to have a once-in-a-lifetime chance to pray in some place you and your children will remember for the rest of their life. Hawks’ BayHawk’s Bay is the perfect space to have a peaceful evening and also if you are a horseback rider and camel enthusiast, you have a perfect spot. Also, going with family can keep the children occupied for longer while you enjoy the romantic sunset with your partner! It is a perfect family spot, so hop along and enjoy your stay!Haleji LakeHaleji lake is a sight to behold in the bird migration season. Here you can find the kinds of birds that cannot be seen anywhere in Pakistan. It has to be a must on your bucket list if you are a bird enthusiast. But keep in mind not to disturb their peace and try to live in harmony with nature!Museum 101Museums are the ultimate source of great information whenever you go to any place! It holds riches from all across the country ranging from old civilizations to the present day. It is a relatively new attraction and this should be the sole reason to check it out other than it being a great source of knowledge for yourself and your kids.Frere HallOne of the very few structures from the British era that is still standing today. It was the center for social and cultural activities in those times. It is still open to the public. On Sunday it holds a book fair so if you’re lucky you might find some gold buried in the rubble there on Sundays! It also holds a library and paintings by the honored Sadequain which are the art that deserves to be seen for their intricate details.Empress MarketEmpress Market is another one reminiscent of the British era. It is located in the busiest area, in the hustle and bustle of Saddar. It was founded by James Fergusson in honor of Queen Victoria. Now it is one of the main spots in Karachi and is known for holding all the household items. Chaukhani TombsReminiscent of an old civilization, these tombs are a sight to behold. They represent the civilization and the societal roles of their members perfectly. Most of the tombs represent the family graveyard with the marking on the tombstones representing male and female members with the engravings. Female members have engravings like jewelry and other embellishments while male members have armor, swords, and other war items to represent them.Jinnah House MuseumJinnah House where once our founding father rested is now a place for the public to visit and get the chance to have a glimpse inside his simple yet classy lifestyle along with the traces of his beloved sister Fatima Jinnah, who lived there after his demise till 1964. It was neglected for the longest time until 1985 and then restored and now it is open for the public to look into his lifestyle!These are some well-known and peaceful family excursion spots in Karachi and you should definitely add them to your bucket list! Also, do not forget to get insured with Let’s Compare! Check out our elaborated travel insurance plans for your next trip!