Medical insurance – Intuttitalia http://intuttitalia.com/ Thu, 03 Nov 2022 02:19:15 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://intuttitalia.com/wp-content/uploads/2021/10/icon-2-120x120.png Medical insurance – Intuttitalia http://intuttitalia.com/ 32 32 AIA Cambodia enters medical insurance segment with AIA MedCare, seeks to provide corporate clients with solutions that focus on employee health https://intuttitalia.com/aia-cambodia-enters-medical-insurance-segment-with-aia-medcare-seeks-to-provide-corporate-clients-with-solutions-that-focus-on-employee-health/ Thu, 03 Nov 2022 02:19:15 +0000 https://intuttitalia.com/aia-cambodia-enters-medical-insurance-segment-with-aia-medcare-seeks-to-provide-corporate-clients-with-solutions-that-focus-on-employee-health/ AIA (Cambodia) Life Insurance Plc (“AIA Cambodia”) today unveiled AIA MedCare, its first medical insurance solution that enables its corporate clients to take care of the health and well-being of employees in order to increase job satisfaction and productivity. AIA Cambodia’s debut in the medical segment strengthens its position among Asia’s leading insurance companies. Already […]]]>

AIA (Cambodia) Life Insurance Plc (“AIA Cambodia”) today unveiled AIA MedCare, its first medical insurance solution that enables its corporate clients to take care of the health and well-being of employees in order to increase job satisfaction and productivity.

AIA Cambodia’s debut in the medical segment strengthens its position among Asia’s leading insurance companies. Already a household name with its life, critical illness and accident insurance, the introduction of AIA Cambodia’s group medical solution is the first of many similar products that will enable the insurer to help Cambodians live healthier lives. , longer and better.

Aimed at employers looking for better employee medical protection, AIA MedCare is an add-on to AIA ComCare, which launched in 2021 with market-leading life insurance as well as critical illness, accident, cash components hospital and emergency assistance abroad combined in one flexible solution. It also complements AIA Cambodia’s current life and critical illness insurance offerings.

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AIA MedCare provides comprehensive medical coverage with healthcare benefits such as reimbursement for hospitalizations, surgeries, illnesses, accidents and emergencies. It also meets the needs of employees in ambulatory, preventive, dental and maternity care, among others.

Customers have the flexibility to choose tailored packages that fit their workforce protection needs and budget. This, in turn, enables them to ensure well-provided health and wellness benefits to help motivate, attract and retain employees.

AIA MedCare also offers a convenient and easily accessible online medical portal that targets A!A employees, the employer’s human resources department, and medical service providers. It provides access to a host of features, including membership lists, claims data, history and submission, policy benefits, and other relevant information. This makes the overall administration of benefits as well as the hospital admission and discharge process as simple as possible.

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Attending the launch at the Hyatt Regency here were guest of honor HE Bou Chanphirou, Managing Director of the Insurance Regulator of Cambodia; Dr. Sok Siphana, Academician of the Royal Academy of Cambodia and Senior Advisor to the Royal Government of Cambodia; Mr. Andrew Loh, Managing Director of AIA Cambodia; AIA Cambodia Board of Directors; CEOs, senior human resource managers and executives of AIA Cambodia’s partner companies; hospital partners; insurance brokers; business and SME owners; AIA staff; and life planners.

Mr Andrew Loh said: “We believe AIA MedCare comes at an opportune time as more and more companies today place emphasis on the health and wellbeing of employees, particularly in the post -pandemic. Our solution provides benefits that provide employees with financial protection while helping employers boost morale by showing staff they care and giving them a sense of belonging.

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“As the only Cambodian life insurer awarded by HR Asia for ‘Best Companies to Work for in Asia’ for two consecutive years, in 2020 and 2021, we are honored to bring our experience to businesses in the Kingdom. AIA Cambodia celebrated its fifth anniversary this year, and this milestone has only motivated us to help create more opportunities for workplaces to meet the protection needs of employers and employees and provide them with win-win solutions. winner.

He added that AIA Cambodia’s entry into the medical insurance segment aligns with its goal to help Cambodians live healthier, longer and better lives. It also stands by the AIA Group’s AIA One Billion initiative to help one billion people in Asia do the same by 2030.

The launch ended with a discussion on “Healthier Workplace, Better Productivity by AIA” moderated by Dr. Sok Siphana which included a four-person panel discussing the correlation between well-being and productivity on the workplace and the new normal for employee health and wellness post COVID 19.

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It brought together four corporate partners of AIA Cambodia – Mr. Peter Downey, Director of Human Resources, CIA FIRST International School; Ms. So Dary, Partner, Tax & Corporate Services, KPMG Cambodia Co., Ltd; Mr. Travis Mitchell, Executive Director, American Chamber of Commerce in Cambodia; and Mr. Roy Manalili, Managing Director – Cambodia, JTI.

The event also featured a lecture on “AIA Employee Benefits Solutions” by Dr. Myralini Santhira Thesan, Medical Director of AIA Group.

For more information on AIA MedCare and AIA ComCare, please email [email protected] For more details on how AIA Cambodia’s life, critical illness and accident solutions can protect you and your family, please contact AIA Customer Service on 086 999 242 or visit aia.com.kh.

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The online medical insurance market will explode https://intuttitalia.com/the-online-medical-insurance-market-will-explode/ Sat, 29 Oct 2022 13:06:00 +0000 https://intuttitalia.com/the-online-medical-insurance-market-will-explode/ Online medical insurance market Latest Added Online Medical Insurance Market Research by AMA Research offers in-depth outlook and elaborates market research till 2027. The market research is segmented by key regions which is accelerating time to market. At present, market players are strategizing and overcoming the challenges of the current scenario; Some of the major […]]]>

Online medical insurance market

Latest Added Online Medical Insurance Market Research by AMA Research offers in-depth outlook and elaborates market research till 2027. The market research is segmented by key regions which is accelerating time to market. At present, market players are strategizing and overcoming the challenges of the current scenario; Some of the major players in the study are Allstate (US), Progressive (US), United Healthcare Group (US), Anthem (US), Aetna (US), Cigna (US) United), Humana (United States). USA), Centene (USA), Molina Healthcare (USA), Wellcare Health Plans (USA), etc.

The explored study is a perfect blend of qualitative and quantitative market data collected and validated mainly through primary data and secondary sources.

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Online Medical Insurance Market Definition:
Online medical insurance is the medical insurance obtained online by comparing with various other policies. Medical insurance policy quotes can be obtained easily online from various broker sites. Also, with internet access, these quotes can be compared to others. Quotes help in making informed decisions based on a person’s need. The online medical policy includes various benefits and coverages at an affordable price. However, the cheapest policy may not provide all the coverage a person needs.

In the latest edition of this report, you will be entitled to receive an additional chapter/commentary on the latest scenario, economic downturn and the impact of COVID-19 on the overall industry. Furthermore, it will also provide qualitative insights on when the industry might get back on track and what possible steps industry players are taking to address the current situation. Each of the segment analysis charts for the forecast period also has a high % impact on growth.

This research is categorized differently considering the various aspects of this market. It also assesses the future situation considering the company’s project pipelines, long-term agreements to derive growth estimates. The forecast is analyzed based on the volume and revenue of this market. The tools used to analyze the Global Online Medical Insurance Market research report include SWOT analysis.

Influential trend:
• Adoption of technologies such as machine learning and artificial intelligence
Challenges:
• Long time required for claims settlement
Opportunities:
• Rising Internet Penetration Drives Market Growth
• Increase in GDP and health expenditure worldwide
• Government initiatives for reimbursement policies
• Development of corona virus policies by health insurance providers
Market Growth Drivers:
• Rising geriatric population is fueling the market
• Benefits such as easy comparison and offers and discounts
• Increase promotional activities on health insurance
Global Online Medical Insurance segments and market data breakdown are illustrated below:
by type (individual plan, family floating plan, senior plan, critical illness plans, maternity plan), features (cashless treatment facility, claim-free bonus, co-pay, family discount, free health check), duration (long term , short term), Claims settlement process (Cashless, Reimbursement)
….
….

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The regional analysis of Global Online Medical Insurance Market is considered for the key regions such as Asia-Pacific, North America, Europe, Latin America and Rest of the World. North America is the first region in the world. Whereas, due to the rise no. research activities in countries such as China, India, and Japan, the Asia-Pacific region is also expected to show a higher growth rate during the forecast period 2021-2027.

Report Highlights:
• A full context analysis, which includes an assessment of the parent market
• Significant changes in market dynamics
• Market segmentation down to the second or third level
• Historical, current and projected market size from a value and volume perspective
• Reports and assessment of recent industry developments
• Market shares and strategies of the main players
• Emerging niche segments and regional markets
• An objective assessment of the trajectory of the market
• Recommendations to companies to strengthen their presence in the market

Strategic Points Covered in Table of Content of Global Online Medical Insurance Market:
Chapter 1: Introduction, Market Driving Product Objective of Study and Research Scope of Online Medical Insurance Market
Chapter 2: Exclusive Summary – the basic information of the online medical insurance market.
Chapter 3: Viewing Market Dynamics – Drivers, Trends and Online Medical Insurance Challenges and Opportunities
Chapter 4: Presenting the Online Medical Insurance Market Factor Analysis, Porters Five Forces, Supply/Value Chain, PESTEL Analysis, Market Entropy, Patent/Trademark Analysis.
Chapter 5: Product Display by Type, End User and Region/Country 2015-2020
Chapter 6: Evaluating the leading manufacturers of the Online Medical Insurance Market which includes its Competitive Landscape, Peer Group Analysis, BCG Matrix and Company Profile
Chapter 7: To assess the market by segments, by countries and by manufacturers/company with revenue share and sales by key countries in these various regions (2021-2027)
Chapter 8 & 9: Viewing the appendix, methodology and data source

Finally, Online Medical Insurance Market is a valuable source of advice for individuals and businesses.

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Answers to key questions
• Who are the major key players and what are their key business plans in the global Online Medical Insurance market?
• What are the key concerns of the five forces analysis of the global online medical insurance market?
• What are the various prospects and threats faced by the dealers in the global Online Medical Insurance market?
• What are the strengths and weaknesses of the main suppliers?

Ultimately, this report will give you an unequivocal perspective on every market reality without the need to hint at any other research report or news source. Our report will give you all the realities of the past, present and eventual fate of the relevant market.

Thank you for reading this article, we can also provide a customized report according to specific business needs. You can also get separate chapter wise or region wise report versions including North America, Europe or Asia.

Contact us:
Craig Francis (Public Relations and Marketing Manager)
AMA Research & Media LLP
Unit #429, Parsonage Road Edison, NJ
New Jersey United States – 08837
Telephone: +1 (551) 333 1547
sales@advancemarketanalytics.com

About the Author:
Advance Market Analytics is a global market research industry leader that provides quantified B2B research to Fortune 500 companies on emerging, high-growth opportunities that will impact over 80% of global business revenue.
Our analyst tracks high growth study with detailed and in-depth statistical analysis of market trends and dynamics that provides a comprehensive overview of the industry. We follow a thorough research methodology coupled with critical insights related to industry factors and market forces to generate the best value for our clients. We provide reliable primary and secondary data sources, our analysts and consultants obtain informative and usable data tailored to the business needs of our clients. The research study enables clients to achieve varied market objectives ranging from global footprint expansion to supply chain optimization and competitor profiling to mergers and acquisitions.

This press release was published on openPR.

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American worker status: 38% do not have medical insurance; more lack dental and vision care https://intuttitalia.com/american-worker-status-38-do-not-have-medical-insurance-more-lack-dental-and-vision-care/ Wed, 26 Oct 2022 13:13:04 +0000 https://intuttitalia.com/american-worker-status-38-do-not-have-medical-insurance-more-lack-dental-and-vision-care/ (Photo: Shutterstock) A new study reveals the top industries in which workers say they lack income for their basic needs. They include healthcare, office administration, customer service, education, and retail. Only 39% of men and 30% of women say their employer offers opportunities for salary increases. But, like Jobcase’s “[email protected]: 2022 Report on the American […]]]>
(Photo: Shutterstock)

A new study reveals the top industries in which workers say they lack income for their basic needs. They include healthcare, office administration, customer service, education, and retail. Only 39% of men and 30% of women say their employer offers opportunities for salary increases.

But, like Jobcase’s “[email protected]: 2022 Report on the American Workforce,” salary isn’t the only thing employees in various industries are concerned about. They also don’t receive proper benefits, whether it’s retirement assistance , built-in sick leave or family leave.According to the report, many are also without basic medical insurance, and even more live without other forms of employer-sponsored insurance.

Here is a breakdown of the number of employees without insurance coverage:

  • No medical insurance: 39%
  • No dental insurance: 49%
  • No vision insurance: 49%
  • No life insurance: 67%
  • No disability insurance: 79%
  • No mental health support: 83%

“Working Americans understand that every day they roll up their sleeves to help grow our economy, while their own fate falls even further behind,” Jobcase co-founder and CEO Fred Goff said in a statement. “As we battle inflation and navigate recession fears, now is the time to look at empowering workers more, not less, wherever we can. Workers’ concerns are common sense and their demands are reasonable. Tackling them will benefit both long-term employers and employees.

The survey includes responses from 4,000 hourly, skill-based employees between the ages of 18 and 70 earning up to $75,000 a year. It provides an in-depth look at the state of the American worker – including the gaps between what workers want and what employers are offering.

The report also includes findings on compensation and workplace opportunities, including the following:

  • 39% of respondents say their take-home pay is not enough to meet basic needs, and only 34% are confident they can save enough for retirement.
  • Less than a third of employees (32%) say they have received opportunities for advancement or promotion, or even career development through training or education.
  • The top three concerns of skilled and hourly workers are wages that do not keep up with inflation (40%), inadequate wages (26%) and staff turnover (23%).
  • Nearly 2 in 3 employees are considering taking “drastic measures” to improve their opportunities, 31% are getting (or looking for) a second job and 23% are considering changing jobs.

The good news is that 68% of employees say they’re likely to recommend a business to others if they know the company treats its employees well, and 61% are likely to shop at a place known to treat employees well. his employees.

Read more: Job satisfaction at 20-year low

“It is time for employers to do more than sign pledges and talk to stakeholder capitalism; it’s time to take action,” says Goff. “We should all be ready to better support pro-worker employers – from government policy to where our spending goes. Together, we can make constructive and collaborative change to address workforce concerns and reshape the future of American workers and thereby help revive the American economy.

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What is the health endorsement under medical insurance | Features and more https://intuttitalia.com/what-is-the-health-endorsement-under-medical-insurance-features-and-more/ Fri, 21 Oct 2022 11:10:49 +0000 https://intuttitalia.com/what-is-the-health-endorsement-under-medical-insurance-features-and-more/ “Health is priceless. The doctor has” – Ljupka Svetanova, The New Land. Changing lifestyles and skyrocketing medical costs have made it mandatory for everyone to buy a medical insurance policy. Without insurance coverage, you run the risk of draining your hard-earned cash or borrowing at exorbitant rates to get quality medical care for you and […]]]>

Health is priceless. The doctor has” – Ljupka Svetanova, The New Land.

Changing lifestyles and skyrocketing medical costs have made it mandatory for everyone to buy a medical insurance policy. Without insurance coverage, you run the risk of draining your hard-earned cash or borrowing at exorbitant rates to get quality medical care for you and your family. The issue can become life threatening if proper medical attention is not available in time.

While it is necessary to choose good health insurance, it is often not sufficient to cover all of your needs. It is not enough for the health insurance policy to cover only basic hospitalization costs. There are a host of other treatment-related expenses before and after the patient is hospitalized. These can be a significant amount and create a hole in your pocket. A basic medical insurance the plan does not cover all of these expenses.

What is the solution? How do you avoid paying out of pocket?

You don’t have to worry because health insurance policies have “endorsements” that come to your rescue. A rider is a feature that provides additional benefits to the policyholder (apart from basic coverage) in return for payment of an additional premium.

For example, by choosing critical illness cover with your mediclaim policy, you can get cover for serious conditions like cancer, heart attack, stroke, etc., which are not covered by the mediclaim policy. base. This critical illness coverage is known as a rider and requires you to pay an additional premium to the insurer. A rider is important because even the best medical policy does not cover 100% of these expenses.

Importance of riders in health insurance:

Apart from hospitalization, there are a host of expenses related to an illness, such as medications, consultation fees, ambulance fees, diagnostics, etc. These are often not covered by the basic insured capital. A rider provides this extra layer of protection to policyholders by also covering other related costs.

Types of health insurance endorsements:

Some of the important endorsements available with a mediclaim policy are mentioned below:

1) Critical illness cover:

As shown in the illustration above, critical illness cover protects against the financial risk of serious illnesses such as cancer, heart attack, kidney and liver failure, stroke, etc. medical insurance plan does not cover any of these illnesses. By opting for this endorsement, you receive the insured capital as soon as the disease is diagnosed. This lump sum can be used by the insured for all his expenses.

2) Personal Accident Insurance:

An accident can be completely debilitating, resulting in loss of life or livelihood. A personal accident covers the risk of death and partial/total disability due to injuries sustained in an accident. The amount received can be used for treatment, recovery and to compensate for loss of income due to an accident.

3) Maternity cover:

This endorsement covers all expenses related to pregnancy and childbirth. There is usually a waiting period, and expectant parents should inquire about this before purchasing this coverage. Even the best medical insurance the policy does not cover pregnancy-related expenses, and this rider is useful for couples planning a child in the future.

4) Daily Cash Rider:

This endorsement provides for a fixed amount of daily allowances for a determined number of days spent in hospital. This money can be used to cover medical expenses not covered by your health insurance policy, such as the cost of medication.

5) Room rental waiver amendment:

Health insurers generally set a ceiling on the rent for the hospital room that will be payable by them. If you want a better room with higher charge, the extra cost should be your responsibility. Medical insurance plans may have a room rental waiver endorsement that helps you take a room of your choice at no additional cost.

6) Medical Consultation Cover:

This endorsement covers the high cost of a consultation with specialist doctors and surgeons. Some policies also cover the cost of seeking a second opinion from overseas medical experts which may be billed in dollars or euros.

7) Diagnostic Survey Coverage:

This endorsement covers the cost of laboratory and pathological tests and investigations required for certain advanced illnesses.

8) Preventive health check coverage:

This rider can be used to cover the cost of your annual preventative health checkups related to blood sugar tests, urine tests, ECG, lipid profile tests, etc.

Key Benefits of Health Insurance Riders:

  1. Provides a lump sum: Critical illness and personal accident covers give a lump sum that can be used by policyholders and their families for any need that arises

  2. Affordable premiums: You can avail additional benefits of the policy by paying a nominal amount on the premium

  3. Tax benefits available: The premium paid on endorsements is also eligible for tax benefits under Section 80D of the Income Tax Act

  4. Compensation for loss of income: A serious illness or a major accident can lead to the loss of a job and an income. The lump sum received can also be used to support household expenses during the recovery period.

  5. Financial support for dependents: In the event of the unfortunate death of the insured, the capital helps the family to settle debts, pay school fees, etc. and meet expenses that cannot be avoided

  6. Waiver of premiums: Some of the best health insurance companies offer to waive future premiums for a policy in the event of an accident or serious illness troubling the insured

  7. Wide range of options: Riders can be used to customize the specific requirements of policyholders and their families. A basic health insurance policy may simply provide generic coverage which may not be sufficient.

Conclusion:

No one can question the importance of health insurance today. With lifestyle diseases on the rise, it’s as simple as a bank account or a phone connection. It is not a luxury but a necessity now and in the future. A jumper perfectly complements a good medical insurance policy providing you with effective and comprehensive coverage. A combination of health insurance and a rider greatly relieves you of financial worries when you need the stress least!

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Do you have health insurance? Request and get this bonus https://intuttitalia.com/do-you-have-health-insurance-request-and-get-this-bonus/ Thu, 13 Oct 2022 07:00:00 +0000 https://intuttitalia.com/do-you-have-health-insurance-request-and-get-this-bonus/ Do you have health insurance? Request and get this bonus! Financial advisers are advised that whether or not one takes out a life insurance policy, one must take out a medical policy. No matter how many lakhs we have saved, there is a risk that it will all be dissolved in a day, just under […]]]>
Do you have health insurance? Request and get this bonus!

Financial advisers are advised that whether or not one takes out a life insurance policy, one must take out a medical policy. No matter how many lakhs we have saved, there is a risk that it will all be dissolved in a day, just under medical treatment. Therefore, it should be noted that the awareness is rising that everyone should take out medical insurance. Many people who have taken out medical insurance in this situation are not aware of the bonus-malus. Let’s see this in detail. According to reports, many people do not take advantage of this offer, especially due to a lack of awareness of the no-claim bonus.
It is known that people in good health now take out health insurance. Thus, those who are in good health can benefit from a claim premium if they do not make any claims for a few years. For example, if a person takes medical insurance for one lakh rupees and does not claim any type of claim in that year, the insurance company will give him a premium of 5% in the second year. This means you will get medical insurance for 1 lakh 5 thousand rupees. In addition, if he does not claim each year, he can continue to receive a bonus of 5% each year.If you have a claim in the first year of insurance, you may not receive the no-claims bonus in the second year. But at the same time, if there is no claim in the third year, then the no claim bonus will be available in the fourth year. Also, not only the policy amount but also the policy premium can be used. 10,000 for 1 lakh medical insurance, if no claim is received, just pay Rs. 9500 after deduction of five percent discount. In addition, there is a possibility of paying a premium after 5% if no claims are made every year.Many health insurance companies offer this benefit to policyholders themselves. Some companies offer this offer only if you claim the no-claim bonus. So, if you have taken out a medical policy and have not availed any branches, it is advisable to avail this offer immediately.

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Follow these helpful tips when buying medical insurance for your parents https://intuttitalia.com/follow-these-helpful-tips-when-buying-medical-insurance-for-your-parents/ Thu, 13 Oct 2022 07:00:00 +0000 https://intuttitalia.com/follow-these-helpful-tips-when-buying-medical-insurance-for-your-parents/ Given the hectic lifestyle and harsh environmental changes, being healthy can be difficult. Illness strikes without warning, and overspending on medical care can instantly deplete a life’s savings. Purchasing a medical insurance policy is a great solution to this problem. However, the problem for many people when purchasing medical insurance is identifying the appropriate coverage […]]]>

Given the hectic lifestyle and harsh environmental changes, being healthy can be difficult. Illness strikes without warning, and overspending on medical care can instantly deplete a life’s savings. Purchasing a medical insurance policy is a great solution to this problem.

However, the problem for many people when purchasing medical insurance is identifying the appropriate coverage to meet their needs. With so many health insurance options available, many are confused when making a wise decision.

Here are some helpful tips to clear up the confusion and help you choose the best health insurance plan for you and your family.

Opt for a high sum insured

Choose a medical plan that provides sufficient coverage for the sum insured. Age is an important element that must be taken into account because, compared to young people, the elderly present more health risks, including an increased risk of illness and hospitalization.

Another thing to consider is where you live. If you live in a metropolitan city, choose family floating insurance with high coverage.

Assess your health needs

The first step in finding the best medical plan is to identify your health care needs and those of your family. Consider the number of family members and their ages before choosing an appropriate floating family plan that covers one person, their spouse and children.

If you have aging parents at home, get senior health insurance designed to cover the cost of treating age-related conditions. Additionally, specialist health insurance is available, particularly for those with pre-existing conditions such as diabetes and hypertension.

Look for the cashless hospitalization feature

An insured can get cashless treatment at any hospital in the network, which is an economical and convenient choice. Therefore, you must insure yourself with an insurer with an extensive network of hospitals. Determine the closest hospitals to your location, especially if you reside in a remote area.

So, see if you can qualify for cashless hospitalization, which will save you the hassle of organizing funds and paperwork throughout your treatment.

Find out the sublimits in your policy

There are sub-limits on expenses such as medical expenses, day care, diagnostic tests and hospital room rent in many medical coverages.

When choosing a medical insurance policy, make sure you have the best coverage available for these things within the stated sublimits. Otherwise, it could lead to direct payments.

Say yes to an affordable premium

It is recommended to compare health insurance on many aspects including premium expenses. Consider the benefits you will receive for the premium you will pay. Look for health insurance packages that offer the most benefits at the lowest prices.

However, if paying a high premium gives you benefits such as coverage for pre-existing conditions and vaccine costs, such plans are preferable.

Conclusion

Health insurance is one of the most essential investments that one should make thoughtfully. Hasty decisions could lead to personal financial loss in any medical emergency. So be sure to make a careful choice when purchasing medical insurance for your parents or for yourself. Moreover, you can make the best life decision by choosing to insure your family’s health with medical insurance from Care Health Insurance. They offer you tailored health insurance plans that guarantee comprehensive benefits and a hassle-free claims process. Do not delay any longer if you or your parents are getting old; protect them today for a financially secure future.

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Medical insurance claims data can help predict the likelihood of autism in children https://intuttitalia.com/medical-insurance-claims-data-can-help-predict-the-likelihood-of-autism-in-children/ Tue, 11 Oct 2022 07:00:00 +0000 https://intuttitalia.com/medical-insurance-claims-data-can-help-predict-the-likelihood-of-autism-in-children/ Medical insurance claims could do more than help pay for health issues; they could help predict them, according to new findings from a Penn State interdisciplinary research team published in BMJ Health & Care IT. Researchers have developed machine learning models that assess the links between hundreds of clinical variables, including doctor visits and health […]]]>

Medical insurance claims could do more than help pay for health issues; they could help predict them, according to new findings from a Penn State interdisciplinary research team published in BMJ Health & Care IT. Researchers have developed machine learning models that assess the links between hundreds of clinical variables, including doctor visits and health care services for seemingly unrelated medical conditions, to predict the likelihood of disorders autism spectrum in young children.

Insurance claim data, which is anonymized and widely available in marketing analytics datasets, provides comprehensive, longitudinal patient medical details. The scientific literature in the field suggests that children with autism spectrum disorders also often show higher rates of clinical symptoms, such as different types of infections, gastrointestinal problems, seizures, as well as behavioral indications. These symptoms are not a cause of autism but often manifest in autistic children, particularly at a young age, so we were inspired to synthesize medical information to quantify and predict this associated likelihood.”


Qiushi Chen, Corresponding Author, Assistant Professor of Industrial and Manufacturing Engineering, Penn State College of Engineering

The researchers fed the data into machine learning models, training them to assess hundreds of variables to find correlations linked to an increased likelihood of autism spectrum disorders.

“Autism spectrum disorder is a developmental disability,” said co-author Guodong Liu, associate professor of public health sciences, psychiatry and behavioral health, and pediatrics at Penn State College of Medicine. “It takes observation and multiple screenings for a clinician to make a diagnosis. The process is usually long and many children miss the window for early interventions – the most effective way to improve outcomes.”

One of the commonly used screening tools to help identify young children with a high likelihood of autism spectrum disorder is called the Modified Toddler Autism Checklist (M-CHAT), which is normally given during routine visits to healthy children at 18 and 24 months. Old. It consists of 20 questions focusing on behaviors related to eye contact, social interactions and certain physical milestones such as walking. Tutors respond based on their observations, but according to Chen, development varies so much at these ages that the tool can misidentify children. As a result, children are often not officially diagnosed until they are four or five years old, meaning they miss out on years of potential early interventions.

“Our new model, which quantifies the sum of identified risk factors together to inform the level of likelihood, is already comparable to -; and in some cases even slightly better than -; the existing screening tool,” Chen said. “When we combine the model with the screening tool, we have a very promising approach for clinicians.”

According to Liu, it would be practically feasible to integrate the model into the screening tool for clinical purposes.

“A unique strength of this work is that this clinical informatics approach can be easily integrated into clinical workflow,” Liu said. “The prediction model could be integrated into a hospital’s electronic health record system, which is used to chart patient health, as a clinical decision support tool for flagging high-risk children. so clinicians and families can take action sooner.”

This work, funded by the National Institutes of Health, the Penn State Social Science Research Institute, and the Penn State College of Engineering, is the basis for a new $460,000 grant to Chen and Whitney Guthrie, a clinical psychologist at Children’s Hospital of Philadelphia Center. for Autism Research and Assistant Professor of Psychiatry and Pediatrics at the University of Pennsylvania Perelman School of Medicine, by the National Institute of Mental Health.

They are using the new grant to analyze precisely how well combined data from hospital records and screening results predict autism diagnoses, as well as to explore other potential screening tools that could better equip clinicians to help their patients. .

“Not only is the current tool missing many children on the autism spectrum, but many children who are detected by our screening tools are experiencing long waiting lists due to our limited diagnostic capacity,” Guthrie said. “While it detects many children, the M-CHAT also has very high rates of false positives and false negatives, which means that many children with autism are missed and other children are referred for assessment. autism when they may not need it.Both problems contribute to the long wait – often months or even years – for further evaluation. The consequences for children who are missed by our current screening tools are particularly important because late diagnosis often means that children entirely miss the window for early intervention.Paediatricians need better screening tools to accurately identify all children who need autism assessment as soon as possible.”

Part of the problem is the limited number of psychologists, developmental pediatricians, and other pediatric developmental experts who can diagnose autism spectrum disorder. According to Chen, the solution may exist in industrial engineering.

“The key idea is to improve how we use resources,” Chen said. “With Dr. Guthrie’s clinical expertise and my group’s modeling capabilities, we aim to develop a tool that primary care physicians without specialized training can apply to perform reliable assessments to diagnose children as early as possible in order to to get the care they need as soon as possible.”

Other contributors to the paper include first author Yu-Hsin Chen, a graduate student pursuing her doctorate in industrial and manufacturing engineering who will also write her thesis on the grant work; and co-author Lan Kong, professor of public health sciences, Penn State College of Medicine.

Source:

Journal reference:

Chen, YH. et al. (2022) Early Detection of Autism Spectrum Disorders in Young Children Through Machine Learning Using Medical Claims Data. BMJ Health and Care Informatics. doi.org/10.1136/bmjhci-2022-100544.

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Medical Insurance Deduction for the Self-Employed – Monterey Herald https://intuttitalia.com/medical-insurance-deduction-for-the-self-employed-monterey-herald/ Tue, 04 Oct 2022 07:00:00 +0000 https://intuttitalia.com/medical-insurance-deduction-for-the-self-employed-monterey-herald/ Question: I recently started my own business as a sole proprietorship and will be filing a Schedule C with my Form 1040 accordingly. I offer a group medical insurance plan for my two employees and my family. Can I deduct all medical insurance premiums from my business income? Answer: Medical insurance premiums you pay on […]]]>

Question: I recently started my own business as a sole proprietorship and will be filing a Schedule C with my Form 1040 accordingly. I offer a group medical insurance plan for my two employees and my family. Can I deduct all medical insurance premiums from my business income?

Answer: Medical insurance premiums you pay on behalf of your employees can be deducted as ordinary and necessary business expenses on your Form 1040, Schedule C, thereby reducing your taxable business income.

However, premiums paid for you and your family are not deductible from your business income as shown on your Schedule C. Instead, medical insurance premiums receive special tax treatment. Premiums paid are deducted from your gross income to arrive at your adjusted gross income.

To deduct your premiums on your Form 1040, you must meet the following conditions:

You must have sufficient income from your independent business, and

· Neither you nor your spouse have medical insurance through your employment with anyone else.

This special treatment is especially important to you if you do not itemize your deductions (take the standard deduction) or if your total medical expenses (including medical insurance premiums) do not exceed the adjusted gross income limit of 7 .5% for the deductibility of medical expenses. As a self-employed person, this particular treatment will allow you to deduct the premiums paid.

Question: Are the rules the same if my wife works for someone else and receives a W-2 form?

Answer: If you are self-employed and you or your spouse have insurance through an employer program, the special self-employed tax treatment described above does not apply to you. The health insurance premiums you pay for yourself and your family are treated as if you were not self-employed. Therefore, if you itemize your deductions, you will still be able to deduct insurance premiums paid as medical expenses.

Please note that partnership partners, members of LLCs, and shareholders of more than 2% of S corporations are generally subject to the same health insurance deduction rules as sole proprietors.

Barry Dolowich is a CPA and owner of a full-service accounting and tax practice in Monterey. He can be reached at 831-372-7200. Please direct questions to Barry at PO Box 710 Monterey, CA 93942 or email: bdolowich@gmail.com.

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Medical insurance companies should cover congenital heart defects to ditch parents’ sense of sinking https://intuttitalia.com/medical-insurance-companies-should-cover-congenital-heart-defects-to-ditch-parents-sense-of-sinking/ Thu, 29 Sep 2022 07:00:00 +0000 https://intuttitalia.com/medical-insurance-companies-should-cover-congenital-heart-defects-to-ditch-parents-sense-of-sinking/ On World Heart Day, I bring you the best wishes of all my colleagues involved in cardiac care for children. We should all be committed to giving ourselves and our children a healthy life. I say this because it is now clear that over 90% of our health is in our hands. Today, unfortunately, India […]]]>

On World Heart Day, I bring you the best wishes of all my colleagues involved in cardiac care for children. We should all be committed to giving ourselves and our children a healthy life. I say this because it is now clear that over 90% of our health is in our hands.

Today, unfortunately, India is the diabetes capital of the world. We need to correct this ignominious label and we can do it quite easily. Indeed, this disease called type 2 diabetes is, in the vast majority, a self-inflicted disease and linked only to our diet. This condition of diabetes and pre-diabetes is at the root of most of the cardiovascular health problems that exist among us today. So we need to inculcate good food practices in ourselves and in our children.

Unlike when I was growing up, it is now clear that excessive consumption of sugar (both the sweet and the hidden form) is the root of the onset of diabetes. The old paradigm from the 1970s that fat is the cause of atherosclerosis and obesity is now thrown out the window.

The mantra today is to avoid having sugar and processed carbs which cause high levels of insulin, which as we know is a storage hormone. Persistently high levels of insulin cause our arteries to stiffen and this is why we all fall prey to the dreaded trio of diabetes, cardiovascular risk and kidney disease. Above all, the overconsumption of fructose, an integral part of the sugar molecule and omnipresent in fruits, which has gone unnoticed because it has a zero glycemic index, is now identified as a major culprit. Excess fructose (like alcohol) should be avoided as it leads to fatty liver disease and all its undesirable consequences. The other thing to avoid are vegetable seed oils, which are said to be pro-inflammatory, as inflammation is now known to be another factor causing cardiovascular disease.

Today, a healthy diet of saturated fat, protein, and fiber-rich carbohydrates is recommended. Healthy kids look cute but really aren’t healthy. On the contrary, we must make our children slim and active.

The bulk of our work in the Pediatric Cardiac Society of India (PCSI) is caring for children born with structural abnormalities of the heart or congenital heart diseases. I wish our patients, who were born with congenital heart defects (CD), a healthy and fulfilling life.

The treatment of coronary artery disease, both medical, interventional and surgical, has now achieved a high level of success in improving the quality of life of patients. The government opened several hospitals such as AIIMS and set up programs for the benefit of families of low socio-economic status. Eligible people must take advantage of it so that their children can benefit from the knowledge and technology. But there is a downside. While the lower socioeconomic strata are covered by government plans and the wealthy can afford even more expensive treatment, the tax-paying middle class still has nowhere to go. Public hospitals are overcrowded and have long waiting lists. Private hospitals are expensive and go beyond out-of-pocket payment for most.

There must be medical insurance to cover this class of society, but there is no private insurance today that covers birth defects. This is in direct violation of the Insurance Regulatory and Development Authority (IRDA) recommendation of 2019, in which it states that no internal or external birth defects can be ruled out. And yet this situation persists. The reason for this is that most parents apply for insurance coverage only after a birth defect is detected. Now that would be a 100% loss for the insurance company. Hence, the reluctance to cover congenital conditions.

We, at PCSI, have proposed a way out: insurance must be taken out during the first three months of pregnancy. At present, it is too early to determine the presence of coronary artery disease (fetal echo can detect heart defects only after 18 weeks). Therefore, insurance companies would not consider it a pre-existing condition.

The mother, her prenatal care, future prenatal checks, childbirth and the child for a predetermined period of her life – all would be covered.

With an incidence of only 1 live birth in 100, coverage of coronary heart disease by insurance cannot be a loss for insurance companies. It would provide the middle class with prenatal echocardiography which will go a long way in preventing the birth of poor prognosis conditions and high level coverage in private hospitals for those carried to term. Private hospitals would also benefit from a better ability to pay domestic patients, as they too constitute an important arm of health care in our country. The introduction of such insurance would therefore be a win-win situation for all and I urge insurance companies to introduce this product and to advertise it widely. If travel insurance can work and become compulsory, even when accidents are so rare, why not this one?

Hopefully we will see a new dawn for young parents who can then stop running from pillar to pillar after the surprise diagnosis of a life-threatening birth defect in their newborn baby.

I call on society, government and insurance companies to consider this proposal carefully.

Dr. Rajesh Sharma is President of Pediatric Cardiac Society of India and Senior Consultant, Cardiac Surgeon at Apollo Indraprastha Hospital, New Delhi. The opinions expressed in this article are those of the author and do not represent the position of this publication.

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Protecting School Medical Insurance Against Corruption https://intuttitalia.com/protecting-school-medical-insurance-against-corruption/ Thu, 15 Sep 2022 21:34:04 +0000 https://intuttitalia.com/protecting-school-medical-insurance-against-corruption/ Editorials Protecting School Medical Insurance Against Corruption Friday, September 16, 2022 The National Hospital Insurance Fund (NHIF) in this photo taken Tuesday, October 26, 2021. PHOTO | DENNIS ONSONGO | NMG It is troubling that a new board war has broken out at the National Hospital Insurance Fund (NHIF). The disputes not only undermine the […]]]>

Editorials

Protecting School Medical Insurance Against Corruption


The National Hospital Insurance Fund (NHIF) in this photo taken Tuesday, October 26, 2021. PHOTO | DENNIS ONSONGO | NMG

It is troubling that a new board war has broken out at the National Hospital Insurance Fund (NHIF).

The disputes not only undermine the implementation of medical insurance for public secondary school students, but they also have implications for the rollout of the government’s Universal Health Coverage (UHC) program.

The comprehensive medical curriculum for secondary school students, popularly known as EduAfya, was unveiled during former President Uhuru Kenyatta’s second term and was part of the administration’s Big Four Jubilee program to enable the access to affordable health care for all Kenyans.

As a public health insurer, the NHIF is a key part of the UHC plan. The turf wars between the chief executive and the chair of the board reflect integrity issues that have in the past raised concerns about the institution’s ability to play its assigned important role in the system. of health in Kenya.

An internal audit of the program reportedly uncovered irregularities that led to some 17 health care providers’ contracts with the EduAfya program being revoked.

The program controls more than 4 billion shillings each year, with the taxpayer paying premiums of 1,350 shillings per pupil in public schools to enable them to access outpatient, dental, hospital, optical, emergency, road rescue treatment and abroad.

Given the public interest in the matter, the Ministry of Education should order an independent audit of the regime, punish any officials found guilty and put in place mechanisms to protect them from corruption.

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