[uc]Advantages of cashless claim settlements for Foreign Student Insurance[uc] May 4, 2009
Posted by janey in : foreign customs , comments closedThe Benefits of Cashless Claims Settlement for Foreign Students
Being hospitalized without having disposable cash can be hard. Most of the time hospitals do not accept insurance identifications- they require patients to make payments upfront.
International students can struggle with their hospital bills if their Foreign Students Health Insurance provider not allowing direct cash-less settlement of claims. Please read further to understand this important feature of Foreign Student Insurance.
Cashless claims settlements functions by having international students avail medical treatments by just showing their medicals card. This process is very convenient as this no longer burdens students of fixing their bills during hospitalization. In addition, since insurance companies which provide cashless settlement claims work through its wide hospital networks, bills payment could already be done directly at the doctor’s office.
Cash-less claims settlements services for no additional charges, can arrange for an ambulance or instruct a hospital to ready your room prior to your surgery. It is very hard to ignore the conveniences of cash-less claim settlements.
Most International student health insurance providers work with a special network of hospitals and doctors. This network is typically referred to as the Preferred Provider Organization or PPO network. When hospitals and doctors within the PPO are used claims can settled directly with the insurance company.
The no age limit policy of some insurance companies with direct cash less claims settlement is also a plus. Through this, foreign students and their dependents can avail of the service easily with no additional or hidden costs.
A tip for international students: make sure while choosing your Insurance for Foreign Students, that it supports direct cash-less settlement. It is important for new students in the US to secure their health and finances while they pursue their academic goals.
Make sure that you seek the help of a good agent in finding an affordable plan. Your International Student Advisor at your University or College can also help in this process. Sometimes the University will provide you documents that the insurance company needs to complete to demonstrate adequate coverage.
A Prenuptial Agreement - Worth Having March 25, 2009
Posted by janey in : foreign customs , comments closedA Prenuptial Contract - Things You Need to Know
A prenuptial agreement, antenuptial agreement, or premarital agreement, commonly abbreviated to prenup or prenupt, is a contract entered into prior to marriage or civil union by the people intending to marry. Usually a prenup provides for division of property and spousal support in the event of a divorce.
Prenuptial agreements set out before marriage how the wealth and assets of both parties will be split in the event that the relationship goes down the toilet.
Many countries, including Canada (Quebec), France, Italy, and Germany, have matrimonial regimes, in addition to, or some cases, in lieu of prenuptial agreements.
As of 2007, England and Wales do not enforce prenuptial agreements, but agreements may be upheld at the judge’s discretion. These countries also do not have a provision for marital regimes.The times they are a changing. There has been a “sea change”
The Crossley case in the UK now highlights the fact that premarital agreements are being recognised in the English courts and, if properly constituted, are difficult to wriggle out of. In the past prenups were perhaps entered into in the hope, rather than belief, that they would be binding. Now they offer real protection.
Courts “are looking closely at prenuptial agreements and want good reasons — such as children or significant changes in a person’s circumstances — to depart from them”.
So who should go for a prenup? They are suitable for a wide range of people, including:-
- second-time rounders, in their forties and fifties, who want to provide fully for children of the first marriage and protect their own assets (sometimes against gold-digging former husbands when they meet someone wealthy)
- and those not necessarily “mega-wealthy” who favours “self-determination” and taking control of how financial issues might be resolved on divorce.
- international clients used to prenups in their home jurisdiction
- professionals, young City entrepreneurs in their twenties making money through work, skill and some luck
- business men and women used to binding agreements in their working lives
- gay and lesbian clients who may have cohabited for years and now enter civil partnerships
Marriage and civil partnership are a huge commitment, and people find that using sensitive lawyers, often with a mediation or collaborative background, the whole process can be part of marriage preparation in thinking about and deciding together — rather than having unintended legal solutions imposed on them.
So if prenups are such a good insurance policy, why not make them legally binding?
With hundreds of millions of dollars at stake, Hollywood stars are not inclined to risk it all on what might be a very short and misguided marriage followed by a very expensive divorce.
Of course it is not only Hollywood stars who need to think about prenuptial contracts - Paul McCartney and Heather Mills famously signed no prenuptial agreement and rumours are rife that this acrimonious split could potentially see Ms Mills walk away with over £100m from a court settlement.
So before you get married get up to date legal advice from a specialist family lawyer. Get it all sorted and nailed down before last minute stress sets in.
Most foreign couples getting married in France need to have a civil ceremony in their home country first and then their religious ceremony in France as the legal requirements for a civil wedding in France are exhaustive - 6 months (not 40 days as it was before thank you Sarkosy) residency requirement with proof of address and they now check it too.
Most guests at a french castle wedding reception do not even know that the ceremony is not a civil ceremony. Sorting out a pre-nup agreement before you leave home does not detract from your fairytale chateau wedding reception in France. If you are not mega wealthy you way want to consider a french wedding package at a romantic castle wedding reception that will not break the bank.