Knowhow to choosd and use a good health insurance

The old saying goes "Health is Wealth". But according to me with the rising cost of medical treatment today the saying should be "Manage your medical bills and protect your wealth". With the nuclear family system and modern life style the dilema one would face in the event of getting a major disease or suffering a major injury is unimaginable. Health insurance therefore is no doubt a necessity today to protect one self from financial stress.
On understanding the need ot health inurance. the next step would be how to get the best cover for me and my family members. No doubt group insurance is the best choice. As Iam self employed, I need to compare the products offered by various insurers consodering my needs and premium paying capacity. I must also go through the fine prints to understand thr product.
While selecting the product, iwould look for
1. Low premium.
2. Coverage benefits.
3. Access to doctors, hospitals and other providers.
4. Access to after hours and emergency care.
5, Out of pocket costs [coinsurance, copays and deductibles].
6. Exclusions and limitations.
7. How can i access the services?
8. How to obtain speciality care?
9. How much and sometimes how I pay for the care?
Health insurance thus gives me and my family protection from medical expenses, access to good health care financial freedom and peace of mind.

Prince of the botanists- Charles Darwin

When a wise man speaks the world laugh at him. Even famous scientist Charles Darwin was not an exemption to this. Charles Darwin had to face the fury of the people as his "Theory of Evolution" was against the biblical view.
It made me think as to how is it that the birth day of the great naturalist is a celebrity today in Shrewsbury, England where Darwin was born and brought up.
I remimber our ancestors sayings "One's worth ic realised only in one's absense." This appears to be a universal truth.

Betty David Eyes Lyrics a song Iloved to listen time and again

Betty Davis Eyes Lyrics a song from a song from the album "Mistaken Identity" sung by King Carnes in honour of the famous actress Ruth Elizabeth. I and my family members wanna to hear this song time and again. My son love to hear this song as a stress releiver at testing times.

Bareleye fish with a 360 degree vision woy!

At times I become astonished at the wonders of nature.The Bareleye fish has rotating eyes with a 360 degree vision and a see through head. It has a transparant skull.
The eyes of the Bareleye fish are higly light sensitive and therefore, this species is found only in deep ocean. The bareleye species have flat fins so that they can remain motionless in water.
Here I just imagined as to really how beneficial it would be to humans if they possess a360 degree vision. No one can then afford to say "I don't care to see my back". Isn't it so?

NASA Global warming satellite crashes near Antartica

NASA's global warming satellite crashed into the ocean near Antartica just a few seconds after launch on tuesday. The $280 mission satellite crasheed on account of the malfunctioning of an equipment, NASA reported. Japan had sucessfully launched the world's first global warming satellite about a month back to track global warming emissions.

New found comet Lulin a fine skywatch

Watching the new bright comet Lulin with telescope or naked eye would be an excellent sky watching experience. The comet Lulin will be closest to the earth on Feb24, 2009.
Lulin will appear as a dim fuzzy light star with a cloudy head.

Iguana species in Fiji

A pair of new Iguana species found in the central region of Fiji.

child friendly cebit messenger

A special internet childfriendly is being unveiliedthis year at Cebit's techonology exhibition on marxh 5- 8tth at Mainz - Germany.

It is specially programmed so that children are protected from offensive content..it is designed int he instant live messenger way...

for more details:- Click here

NASA delays launch of Space Shuttle Discovery

NASA has again delayed the launch of its Space Shuttle Discovery for the fourth time. It is not sure yet as to when the launch will be carried out.

What?? A fish with a human face!!

None can predict or alter the wonders of nature. Scientists and Marine Biologists are astonished on finding a fish with a human face captured in South Carolina.

See our worls at a microlevel

We would have seen various macrolevel pictures of our world at various angles. Now you can see the world here at a microlevel.

Can We Use Cellphones On Board??

Ryan Air for the first time have introduced usage of cellphones on their flights at a cost of $3 per minute.Other airlines may follow soon.these can be operated from 10,000ft above sea level.
For more details click here.

Is the car of Obama worth the price??

The car used by the U.S. President Obama is Cadillac Presidential Limousine tailor made by General Motors at a cost of around Rs 2 crores. It is fitted with strong doors like a Boeing 757 jet flight, cameras that can take photographs even in darkness, guns, a bottle of blood Obama’s blood group for any emergency and bullet proof body.

For more details click here........