How to Save Money on Student Health Insurance?

The health                                  care costs have continued to rise with every succeeding year and this is quite common to the industry itself. Given the scenario the student health insurances are no difference. A lot of the college students tend to nurture the common idea that they don’t really need to have a health care insurance as there is nothing to worry about their health.

They have this confidence as they are young and are in one of the best physical conditions. But what they often don’t   is that ignoring the health and health needs will actually invite serious health problems down the road. In such situations, saving money for student health insurance make certain that all the young adults get absolute care and can at the same time take necessary preventive steps to continue with a good health as they become adults.

Significance of Student Health Insurance Plans

Young students are a lot less likely to care for their health as they are enjoying the best physical conditions ever. Often the various health practices that they indulge in and the amount of exercise that they do ensure that they are in perfect shape. However a careless lifestyle and absence of any sort of preventive measures often lead them to the path of future medical complications. It is quite an unfortunate fact that young healthy adults are often diagnosed with cancer or other major kinds of health complications that put their entire life and future at stake.

But once Student Health Care insurance is bought, it means that these young adults are forced to get into the habit of going for regular check ups to medical professionals, which work as an effective and preventative health care measure. Often these check ups also come in handy in the sense that a lot of the potential health problems are diagnosed at a very early stage itself and can be stopped before they take the shape of a major complication. Moreover, taking good care of the health as a college student also in a way becomes a preventive measure that saves upon the lot of the future expenses related with major health problems that might occur.

How does the Student Health  help?

A Student Health  is a special medically equipped division run by most colleges and universities and is situated on the campus or the premise of the institution itself. These are efficient clinics that provide a host of foundational medical services that are commonly found at the medical check up clinics in general. These clinics offer regular check up for,

Birth control
Disease testing

Most of the colleges charge a particular fee that is invested for the maintenance of these  On paying the fee every student gains the access to use the facilities of the student health  for all kinds of medical needs.


What Is Predictive Health-Care?

Predictive                           Health-care may not be a household term quiet yet, but basically this new, emerging way of delivering health-care in the US focuses on predicting health as opposed to waiting for disease to begin.

The Challenge of “Measuring Health”

Health is commonly defined as the absence of disease symptoms, and it is disease symptoms that are commercially relevant. However, physical symptoms are only the last stage in the progression of Illness, thus Preventive- or Predictive Health has to necessarily identify any degradation in Holistic Health, or what we call Vitality. Whole Health consists of 6 interweaving elements: Physical – Mental – Emotional – Spiritual – Social – Intellectual Health. As Physical Illness is usually the final manifestation of an Emotional Trauma, treating the Physical Symptom is only a temporary fix. In the attempt to forestall Physical Illness we need to identify the potential cause for the loss of Vitality and Lifestyle is the usual culprit. By Lifestyle we mean the person’s intentional choices such as Nutrition and Activities, and circumstantial factors, such as Environmental Exposure, History, Believes, Social Integration, etc.

Conventional Health-care is not concerned with these intertwining Mind-Body issues, because the medical science consensus neither extends to analytical methods nor the interpretation of results. The generally accepted medical standard for diagnosing disease rests on sample collection, which can be reduced to numerical values, such as blood pressure, cholesterol, body fat, bone density and various biomarkers.

In Predictive Health such samples and methods may be used, but in presumed healthy people, these “disease markers” just resemble a snap shot of a condition at the time of sample collection. If all results check out in the “Normal” range, a person is considered physically healthy, even when all 5 non-physical health elements are compromised. In such case, a physical symptom has just not yet established itself measurably.

Vitality can be defined as the sum of all 6-elements that comprise Health. A person, who has thus been classified physically healthy, may completely lack Vitality, if any of the non-physical elements is reduced; while we may perceive a person to have great Vitality, if all health elements are in harmony.

What is needed is a process that measures Vitality as the sum of all Health elements. As Vitality is a volatile condition, we cannot rely on static samples to predict a person’s susceptibility to contract any disease, nor can we recommend a Nutritional concept or Lifestyle modification based on static   such as cholesterol, blood pressure, glucose and insulin. Instead, we have to dynamically monitor how well a person copes with lifestyle specific conditions that include various degrees of stress and rest, and we have to measure cellular function under changing situations. We want to assess the wear and tear that the body has undergone to date.

These Test results portray a person’s strengths and vulnerabilities incorruptibly and   When correlated with the person’s history, lifestyle and personal objectives, a Lifestyle  program can be generated that does not rely on prescription drugs.

Why choose Predictive Health?

A Japanese “Attitude Survey on Health and Preparation” (November 1, 2010; states that 69.4% of the respondents “are worried about their future health”. In the US we are seeing sustained increase in growth rates for Organic Foods even in a recession? The statistics furnish the evidence that people are awaking to the fact that protecting health is better than recovering from illness. The leading market research and information analysis company  Press Release of October 29, 2010 reveals that the US Organic Food Industry will orchestrate 12.2% during 2010-2014. North American market growth for Organic Personal Care products amounts to 20% annually, according to Organic Monitor.

“Even in the midst of the economic downturn, the Gym, Health & Fitness Clubs industry has maintained steady growth, with membership rates growing consistently and profits remaining solid. Demand for gyms and health and fitness clubs will continue to rise over the next five years, as the general public becomes more health conscious and the   population places a greater value on staying fit” – According to IBIS World Industry Report of September 17, 2010.   Ford, Fitness & Wellness Industry Report predicts US sales of Health and Wellness goods to reach $ 170 billion by 2012, a growth of 70% in 5 years. Gym memberships for people over 50 will rise even more dramatic over the next 10 years with a target market potential of 139.2 million people by 2020; according to Capital Connection, March 2010 Newsletter. The Nutritional Supplements market in the US will exceed $13 billion in 2014, yielding a compound annual growth rate of 7%; says Market in September 2, 2010 Press Release.

These trend numbers clearly portray the global shift to Preventive Health, lead by the US which boasts the highest Health-care costs in the world. If we are truly concerned about our future health, evidenced by spending substantial money for healthy food and lifestyle, it should come naturally that we can no longer rely on drug-  sick-care, but opt for Predictive and Preventive care.

Heinz R   has built start-up laser and medical devices companies, spearheaded novel medical therapies and created global markets where non existed While being fascinated by challenges to turn technology into Health solutions, he  that the current paradigm of “Symptoms fixing’ is flawed, and Health-care needs to start at the cellular level long before symptoms occur. His unrelenting innovator spirit is now at work in creating awareness for his patent pending  : a Predictive Health Information System, which “measures” how Healthy you are and shows how you can boost and sustain Vitality at Peak level for life – naturally. He is an author, radio host and public speaker on many health technology, business and quality of life topics. His recent Book: “In   We Trust”, unveils how America has become the sickest Nation on Earth – and the way it can escape out of it.


Westfield Health Insurance

Health                                   has been supplying consumers in the UK with secure health insurance products for well over 90 years. They currently have in excess of 300,000 policyholders who have some form of health insurance coverage with them.

Health offer health insurance products to individuals and their families, businesses and their employees, and they even offer an intermediary service whereby any healthcare intermediary is able to offer   Health’s products to their clients.

Health has a number of health cash plans under their  product range. This health insurance product range offers up to 5 different levels of coverage, and the price ranges from £5.35 to £34.00 per month. Obviously, the higher your monthly premium, the higher the level of coverage you can expect.

Your monthly premium will ensure that you have a set annual cash benefit in order to cover any number of essential health care bills which may include:-

Optical costs – glasses, prescription sunglasses, contact lenses & sight tests
Dental fees – checkups and treatment
Treatments – physiotherapy, osteopathy, chiropractic, acupuncture,   and chiropody
In addition to these basic benefits a   Health cash plan will provide monetary benefits for any hospital stay that include both inpatient and day surgery, recuperation, and they even offer financial support if you or your partner have a baby, or if you decide to adopt.

Health also has a number of health and well-being services which will provide you access to:-

24-hour access to GP telephone consultations
Health benefits and concessions which may include discounted gym membership
24-hour counselling advice line which also includes legal advice
Should you choose one of the higher levels of health cash plan that they offer you also receive personal accident cover
A website dedicated to health and well-being
Let us look at one of their health cash plans to see exactly what types of benefits you can receive. Their level 3 health cash plan has a fixed monthly premium of £16.60. With this level of cover you will be provided with £105.00 towards dental checkups. I’m sure that you’re fully aware that two 6 monthly visits in any one year to the dentist will typically cost you approximately £100.00.

For the same level of cover any consultations that you, your partner, or dependent children require will be covered up to a monetary value of £290.00 annually. I would hazard a guess that many of you put off private consultations, with someone other than your GP, due to the high costs. However, this needn’t be a problem if you have taken out one of   Health’s cash plans.

Imagine if you are admitted as an inpatient to an  or private hospital, registered treatment centre or hospice. This would generally mean that you will be unable to work for a number of days, and therefore will suffer from a loss of income. The level 3 health cash plan will provide you, as the policyholder, £38.00 allowance on a daily basis (Admittedly, this will not be enough to cover a daily wage, but something is better than nothing). This form of coverage is extended to any dependent children, and you will receive £16.50 on a daily basis if any of your children have to stay in hospital as an inpatient. All of these benefits, and a whole host more, are included in a level 3 plan that costs you as little as £16.60 a month.

There are, of course, many exclusions, or eventualities that are not covered, in a Health cash plan. Let’s take the dental checkups scenario as an example – you will not be covered for teeth whitening, prescription charges, missed appointment fees, dental treatment as result of an accident, etc. You will find that all the exclusions to their policies are well documented on their website.

Should you choose to take out a health cash plan from   Health you simply have to set up a direct debit for a fixed monthly amount. You should then receive and pay for your health treatment as normal. You will then need to complete a claim form and send it to   Health, along with any supporting documentation. The claim, or maximum monetary benefit, will then be paid directly into your bank or building society account.

Health aim process all correctly presented claims within five working days of receiving them. You should also be aware that your monthly premium is fixed and will not increase due to age, or any other health-related factors. This is where  Health is able to distinguish themselves from the competition, and many other health insurance products that you may find in the marketplace.


Robot Guide – Least Costly Robots

Gone are the days when robots would cost you an arm and a leg. You can now buy robots for a lot less money that are a blast to have around the house. How cheap am I talking about? How about less than $30! These fun bots are loads of fun around the house.

The first of our cheap yet chintzy robots is called the Idog and is promoted as a robotic pooch. roboticsengineeringandgameplay It looks pretty odd, actually. One reviewer said it resembles “a collision between a bag of marshmallows and a cell phone, with vague canine overtones.”

Even though this dog is not made to look or act like a real dog, it is still lots of fun for the kids. You feed this dog with music. The robotic dog, after hearing the music, will wiggle its ears and sway its head to the music. It will also blink its eyes to the music you feed it. Eventually, according to the manufacturers, it will develop a personality depending on what type of music you have been feeding it.

Another fun and inexpensive robot is called “Shooter Bots – The Game”. This robot is a lot of fun if you or your kids are into shooter games. Basically, the way this robot works is that the robot comes after you and tries to shoot you with its lazer. You have to shoot the robot before it shoots you. The robot does not actually know to come after you. What happens is that the gun you have to shoot the robot with has a tracking device inside it that the robot follows. It is a brilliant concept. Reviewers reported hiding behind a couch only to have the robot bounce its lazer off a reflective object to hit them.

Another inexpensive robot is the mini-Roboraptor from WowWee Robotics. This little raptor robot will autonomously roam around your house and check your stuff out. It seems to be curious and really does seem like it is intelligent.

Another affordable robot is a robotic arm. Robotic arms are not full robots, they are just an arm with a claw at the end. You can program them to pick something up, swivel, then put it back down. While it does not sound like much, it really is interesting. Robotic arm kits are usually more educational than other robot kits.

This list is of the most popular selling robots for under $30. With the science of robotics continuing to evolve and the price of computer chips dropping, more and more robots will continue to fall under $30 which is great for consumers.

I hope you enjoy this review of popular selling robots for under $30. For the most popular robot toys at the cheapest prices, see toy robots [] and for the largest selection of robots at prices you can compare from all major retailers