5 States Election Result Live 3/12/2023.
Rajasthan , Madhya Pradesh, Chhattisgarh, Mizoram and Telangana Election 2023 Result Live
Counting of votes for the by-elections of eight seats of Gujarat Assembly may start today. Apart from this, counting of votes for the elections of Bihar Assembly has also started today.
The by-polls for 9 seats of Gujarati Dance Learning are underway. Out of these, BJP is leading in four seats and Congress is leading in one seat in the early days. You can watch these results live here with the help of Gujarat's leading Gujarati news channels.
5 state assembly election results 2023 LIVE: राजस्थान मध्य प्रदेश छत्तीसगढ़ और तेलंगाना के चुनावी परिणाम देखिए अपने मोबाइल और कंप्यूटर में लाइव
#4stateassemblyelectionresults2023LIVE | #CountingnewsUpdates | #ElectionresultwithGujarati | #assemblyelection2023
General Election & Bye Election to Assembly Constituencies: Trends & Results Dec-2023
Results Trends Starts From 8 AM on 3rd Dec 2023
You can see the results of Gujarat Assembly by-election and Bihar Assembly by-election from time to time. abp asmita message news channel tv9 live updates in gujarati tv9 channel you can easily watch and decide who is ahead in which seat you can also know the election results from the official website of election commission.
Health insurance is a type of insurance that covers the whole or a part of the risk of a person incurring medical expenses. As with other types of insurance is risk among many individuals. By estimating the overall risk of health risk and health system expenses over the risk pool, an insurer can develop a routine finance structure, such as a monthly premium or payroll tax, to provide the money to pay for the health care benefits specified in the insurance agreement.[1] The benefit is administered by a central organization, such as a government agency, private business, or not-for-profit entity.
According to the Health Insurance Association of America, health insurance is defined as "coverage that provides for the payments of benefits as a result of sickness or injury. It includes insurance for losses from accident, medical expense, disability, or accidental death and dismemberment".
A health insurance policy is:
A contract between an insurance provider (e.g. an insurance company or a government) and an individual or his/her sponsor (that is an employer or a community organization). The contract can be renewable ( annually, monthly) or lifelong in the case of private insurance. It can also be mandatory for all citizens in the case of national plans. The type and amount of health care costs that will be covered by the health insurance provider are specified in writing, in a member contract or "Evidence of Coverage" booklet for private insurance, or in a national [health policy] for public insurance.
(US specific) In the U.S., there are two types of health insurance - tax payer-funded and private-funded.[3] An example of a private-funded insurance plan is an employer-sponsored self-funded ERISA plan. The company generally advertises that they have one of the big insurance companies. However, in an ERISA case, that insurance company "doesn't engage in the act of insurance", they just administer it. Therefore, ERISA plans are not subject to state laws. ERISA plans are governed by federal law under the jurisdiction of the US Department of Labor (USDOL). The specific benefits or coverage details are found in the Summary Plan Description (SPD). An appeal must go through the insurance company, then to the Employer's Plan Fiduciary. If still required, the Fiduciary's decision can be brought to the USDOL to review for ERISA compliance, and then file a lawsuit in federal court.
The individual insured person's obligations may take several forms:[citation needed]
Premium: The amount the policy-holder or their sponsor (e.g. an employer) pays to the health plan to purchase health coverage. (US specific) According to the healthcare law, a premium is calculated using 5 specific factors regarding the insured person. These factors are age, location, tobacco use, individual vs. family enrollment, and which plan category the insured chooses.[4] Under the Affordable Care Act, the government pays a tax credit to cover part of the premium for persons who purchase private insurance through the Insurance Marketplace.[5](TS 4:03)
Deductible: The amount that the insured must pay out-of-pocket before the health insurer pays its share. For example, policy-holders might have to pay a $7500 deductible per year, before any of their health care is covered by the health insurer. It may take several doctor's visits or prescription refills before the insured person reaches the deductible and the insurance company starts to pay for care. Furthermore, most policies do not apply co-pays for doctor's visits or prescriptions against your deductible.
Co-payment: The amount that the insured person must pay out of pocket before the health insurer pays for a particular visit or service. For example, an insured person might pay a $45 co-payment for a doctor's visit, or to obtain a prescription. A co-payment must be paid each time a particular service is obtained.
Coinsurance: Instead of, or in addition to, paying a fixed amount up front (a co-payment), the co-insurance is a percentage of the total cost that insured person may also pay. For example, the member might have to pay 20% of the cost of a surgery over and above a co-payment, while the insurance company pays the other 80%. If there is an upper limit on coinsurance, the policy-holder could end up owing very little, or a great deal, depending on the actual costs of the services they obtain.
Exclusions: Not all services are covered. Billed items like use-and-throw, taxes, etc. are excluded from admissible claim. The insured are generally expected to pay the full cost of non-covered services out of their own pockets.
Coverage limits: Some health insurance policies only pay for health care up to a certain dollar amount. The insured person may be expected to pay any charges in excess of the health plan's maximum payment for a specific service. In addition, some insurance company schemes have annual
Have fun as you learn to read English & more with the magic of your voice
Read Along (formerly Bolo) is a free and fun speech based reading tutor app designed for children aged 5 and above.
It helps them improve their reading skills in English and many other languages (Hindi, Bangla, Marathi, Tamil, Telugu, Urdu, Spanish & Portuguese) by encouraging them to read aloud interesting stories and collect stars and badges together with "Diya", the friendly in app assistant.
Diya listens to children when they read and offers realtime positive feedback when they read well and helps them out when they get stuck - even when offline & without data!
Features:
• Works Offline : Once downloaded, it works offline, so it does not use any data.
• Safe : Since the app is made for children, there are no ads, and all sensitive information stays only on the device.
• Free: The app is completly free to use and has a vast library of books with different reading levels from Pratham Books, Katha Kids & Chhota Bheem, with new books added regularly.
• Games: Educational games within the app, make the learning experience fun.
• In-App Reading Assistant: Diya, the in-app reading assistant helps children read out loud and provides positive reinforcement when they read correctly, and help wherever they get stuck.
• Multi Child Profile: Multiple children can use the same app and create their individual profiles to track their own progress.
• Personalised: The app recommends the right level of difficulty books to each child depending on their reading level.
Languages available :
With Read Along, children can read a variety of fun and engaging stories in different languages including:
• English
• Hindi (हिंदी)
• Bangla (বাংলা)
• Urdu (اردو)
• Telugu (తెలుగు)
• Marathi (मराठी)
• Tamil (தமிழ்)
• Spanish (Español)
• Portuguese (Português)
With just 10 minutes of fun & practice every day, inspire your child to become a reading star for life!
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