HnTim-  Nguồn lưu lượng truy cập Adsense Watchdog, Zombiestat, Vampirestat, Villainstat and Uglystat Blog Traffic

Nếu bạn có một blog và kiểm tra xem nơi giao thông vào blog của bạn bắt nguồn , bạn có thể nhận thấy lưu lượng truy cập từ các trang web được gọi là Vampirestat.com , Adsensewatchdog.com , Villainstat.com , Uglystat.com và / hoặc Zombiestat.com . Trước hết, không bấm vào chúng để tìm hiểu lý do tại sao họ sẽ gửi cho bạn giao thông.

Không Adsensewatchdog , cũng không phải bất kỳ những người khác có bất cứ điều gì gì để làm với Google hoặc Google AdSense và chủ yếu là các trang web spam sử dụng giao thông tự động để blog để thu hút nhấp chuột vào các trang web của riêng mình từ chủ sở hữu blog như bạn . Một khi bạn đang ở trang web của họ , ở mức tối thiểu , bạn sẽ được cho ăn quảng cáo . Lúc tồi tệ nhất , bạn có thể trở thành nạn nhân để mã độc ác tìm cách lây nhiễm máy tính của bạn với những người hiểu biết (mặc dù tôi đã không kiểm chứng rằng các trang web cụ thể đang tìm cách trồng bất cứ điều gì trên máy tính của bạn ) .

Tránh xa. Giao thông từ các trang web này sẽ không ảnh hưởng đến vị thế của bạn với Adsense thực , vì vậy chỉ cần bỏ qua chúng.

Watchdog Adsense và những người khác có thể được truy nguồn từ :

Bảo vệ Dịch vụ Domain - ID Khách hàng : NCR - 3559746

P.O. hộp 6197

Denver

CO

80206

Mỹ

Điện thoại : 1,3037474010

Địa chỉ email: adsensewatchdog.com @ protecteddomainservices.com

Mà chỉ là một công ty nắm giữ tên miền cho khách hàng vô danh . Nếu chủ sở hữu tên miền muốn ở lại ẩn đằng sau như một bức tường lửa giấu tên , đó là nên được một lá cờ đỏ.

HnTim-

I- REGISTRATION PROCEDURES :

1 . Objects of people :

Voluntarily insured residing in the commune and district public , registration and payment are insured under the voluntary communes and districts that .

VSS organized voluntary insurance fee of objects people 01 times per month ( a maximum of 12 times revenue ) , time collection agent of objects from 25 people up to the last working day of the month .

Vali dmedical insurance  card use starting 01 days of each month and after at least 30 days from the date of collection agents for the VSS premiums for insured cases of first-time or voluntary participation back after a hiatus due to any reason .

Medical insurance  card will be valid when used continuously insured medical insurance  premiums in accordance with regulations . For health insurance value of continuous use , the card dealer to pay for medical insurance  obtained prior to the expiry of at least 10 days .

- In case of individual participation under :

+ Participants record all information on declaration voluntarily insured people object ( 01/BHYTTN denominator ) under the guidance of voluntary health agency revenues ; produce household registration book or certificate of provisional registration issued by local police authorities granted (for temporary residence object ) and ID card or photo ID papers , filed declarations for social insurance agent or agency to test and compare .

+ After receiving the declaration , the household registration book or certificate of temporary residence registration , compared with the ID card or photo ID papers , collection agency shall certify on the declaration .

- If the participating household :

Objects of people insured under household and close the application of people , if crowded household members participate in voluntary health insurance , the 3rd member will receive a 10 % level of both personnel , from the 4th member , each member was reduced by 20 % of individual premiums .

The reduction of the premium only done with the objects people voluntarily insured under a household name in the same household .

+ Representative household record sufficient information on declaration voluntarily insured people object ( 01/BHYTTN denominator ) under the guidance of social insurance agent or agency ; photocopy family register , submit a statement same copy of a family register and the original export window to check the Agent , for comparison;

+ Collection agency or representative agency receiving Social Security records voluntarily insured , to make the comparison between the declarations with the household registration book , the middle window with a copy of the original household , if guaranteed authentic , then agent or representative of the VSS sign and return a copy of household registration books to determine their responsibilities , and calculate the premium rate for each household member insured , key plays right amount of both households .

2 . Subjects students to :

If the insured under the voluntary schools , the voluntary medical insurance premiums once or twice in a school year or close the course for voluntary medical insurance  agent in the collection .

If the insured does not follow students to schools that participate in residence household or individual shall apply subject's level of play people .

3 . Population Officer Objects family and children incumbent commune : DSGD & TE by committee at district level medical insurance  premiums once a year for the district VSS .

II - ORDER :

1 - The steps are :

Step 1 : To produce identity cards , residence or temporary residence certificate

Step 2 : Remember personal information on the declaration form 01 - BHYTTN . .

Step 3 : Submit the declaration and medical insurance  fees for collection agent communes residence .

2 - How to perform : Every month , from the 25th to the end of the month , the voluntary medical insurance directly to the medical insurance  agent in the communes of residence to register to participate .

3 - Profile : 01 declaration voluntarily insured in the form 01 - BHYTTN

4 - Time limit for settlement :medical insurance  card is valid starting on the 01 of each month and after at least 30 days of paid agents of social insurance funds to districts to participate in once case head or rejoin after a hiatus due to any reason .

HnTim-

You Da Nang Nguyen Thi Minh asked :+
I know the cost of insured students is 3% of the minimum wage and supported the state budget by 30% while some other objects close at 4.5 % of salary and wages . So the rights of students to have health insurance when health care other than what other groups or not , and enjoy what ?
Reply to :
Under the provisions of the medical insurance  Law and guiding documents , the Health Insurance Law students to object when medical examination was conducted in accordance with the following effects :
- Examination and treatment and rehabilitation ;
- Examination for screening , early diagnosis of diseases ;
- 100 % of health care costs in the commune ;
- 100 % of health care costs in the case of total health care costs of one-time 15 % lower than the minimum wage ;
- 80 % of health care costs but no more than 40 months ' common minimum salary for a service uses high-tech , large cost .
The rights of students, when students seek medical medical insurance  is no different from the general interests of the other groups . / .

BS . Vu Xuan Peng, Deputy Chief Make medical insurance  Policy

HnTim-Things to know about health insurance

Legal basis : Law on medical insurance
 .

1 . What is medical insurance  ?
Health insurance is a form of insurance to be applied in the field of health care , not-for -profit organization by the State and the object implementation is responsible for participation in accordance with law .
2 . Medical insurance  is made on any principle ?
MI was performed on 5 principles :
- Ensure that risk sharing between the insured .
-Medical insurance  premiums are determined according to the percentage of salary , wages , pensions , benefits or minimum wage of administrative regions (hereinafter referred to as the minimum wage ) .
- Level of medical insurance  on the severity of disease, target groups within the rights of the insured .
- Cost of medical examination and treatment by the health insurance fund medical insurance  and the insured pays the same .
- The medical insurance  fund is managed centralized , unified , open and transparent and ensure the balance of revenue and expenditure and are protected by the State .
3 . State's policy on medical insurance  is done how ?
- State contributions or support of health insurance premiums for people with meritorious services to the revolution and a number of social groups .
- State incentives for investment activity to preserve medical insurance and fund growth . Fund's revenues and profits from investment activities were exempt from themedical insurance  fund .
- The State shall create conditions for organizations and individuals involved in medical insurance  or group health insurance premiums for the object.
- The State encourages investment and technological development of advanced vehicle engineering in insurance management .
4 . Management of state regulation of health insurance is like?
- The government unified state management of health insurance.
- The Ministry of Health is responsible to the Government for implementing state management on health insurance .
- Ministries, ministerial-level agencies shall , authority to coordinate with the Ministry of Health to manage the state of health insurance.
- People's Committees at all levels within the duties and exercise their powers to manage the state of the local health insurance .
5 . Responsibilities of the Ministry of Health on health insurance is regulated like?
The Ministry of Health is responsible for all coordination with ministries, ministerial-level agencies , agencies and related organizations perform the following tasks :
- Develop policies and legislation on health insurance , health system organization , online medical technical expertise , financial resources for the protection , care and improve people's health based on universal health insurance ;
- Develop strategies , planning and overall development plan of health insurance ;
- Issue a list of drugs , medical supplies , technical services under the effect of the insured and the technical regulations concerning medical treatment of health insurance ;
- Develop and submit to the Government measures aimed at ensuring the health insurance fund balance ;
- Propagation and dissemination of policies and legislation on health insurance ;
- Directing and guiding the implementation of health insurance ;
- Inspection , testing , handling of violations and settlement of complaints and denunciations about health insurance ;
- Monitor , evaluate and summarize activities in the field of health insurance ;
- Organization of scientific research and international cooperation on health insurance .
6 . Responsibilities of the Ministry of Finance is regulated health insurance like?
- To coordinate with the Ministry of Health , agencies , organizations related policy and legislation related to health insurance financing .
- Inspection and test the implementation of the provisions of the law on financial regulations for health insurance, the health insurance fund .
7 . Responsibilities of People's Committees at all levels of health insurance is regulated like?
Within the scope of the task , their powers , the People's Committee issued the following responsibilities :
- Directing organizations implement policies and laws on health insurance ;
- Ensure cost of health insurance premiums for the object or close state budget support under the provisions of this Act ;
- Propagation and dissemination of policies and legislation on health insurance ;
- Inspection , testing , handling of violations and settlement of complaints and denunciations about health insurance.
In addition to the implementation of the above responsibilities , PPC , central cities are also responsible for the management and use of funds in accordance with law .
8 . The act prohibited the implementation of health insurance ?
- Do not open or close fully insured in accordance with law .
- Fraud , fake profiles , health insurance card .
- Use of health insurance premiums , health insurance funds for improper purposes .
- Obstructing , making it difficult or damaging the rights and legitimate interests of the insured and of the parties relating to health insurance.
- Willful false statements , providing false information and data on health insurance.
- Abusing positions and powers , and professional services to contravene the provisions of the law on health insurance.
9 . Rights and responsibilities of the insured is specified how ?
* The right of the insured :
- Is health insurance when health insurance premiums .
- Select health insurance health care facility initially prescribed .
- Be patient examination and treatment .
- Held payment of health care costs health insurance under the health insurance regime .
- Requires health insurance organizations , health insurance and health care establishments concerned agencies to explain , provide information about health insurance .
- Complaints and denunciations violations of the law on health insurance.
* Responsibilities of the insured :
- Close insured full and on time .
- Use the right health insurance purposes , not for others to borrow health insurance .
- Implement procedures to KCB KCB MI .
- Abide by the rules and guidelines of health insurance organizations , health care at the health care facility .
- Payment of health care costs for health care facility in addition to the costs paid by the health insurance fund .
   
10 . Rights and responsibilities of organizations and individuals is regulated health insurance premiums like?
* Rights of organizations and individuals health insurance premiums :
- Requires health insurance organizations , State agencies competent to explain , provide information about health insurance .
- Complaints and denunciations violations of the law on health insurance.
* Responsibilities of organizations and individuals health insurance premiums :
- Profiling health insurance proposal .
- Close insured full and on time .
- Communicate health insurance for the insured .
- Provide complete and accurate information and documents related to the implementation of health insurance liability of the employer , the representative of the insured at the request of health insurance organizations , employees or representatives of the employees .
- To observe the inspection and examination of the implementation of the provisions of the law on health insurance.
11 . Rights and responsibilities of health insurance is regulated organization like?
* The right to health insurance organizations :
- Require employers , representatives of the insured and the insured to provide full and accurate information and documents related to their responsibility for implementing health insurance.
- Supervision of the implementation of health insurance health care , recovery , custody health insurance for violations as prescribed .
- Requires health care facility providing health insurance records , medical records , clinical documentation in order to serve the health insurance assessor .
- Refuse to pay health care costs health insurance is not prescribed by law or the contents curative health insurance contract .
- Ask the person responsible for damages to the insured reimbursement of health care costs that the organization paid health insurance .
- To propose competent state agencies to amend and supplement policies and legislation on health insurance and handling organizations and individuals who violate the law on health insurance.
* Responsibility of health insurance organizations :
- Propagation and dissemination of policies and legislation on health insurance.
- Guidance documents and procedures , implementing health insurance to ensure quick , simple and convenient for the insured .
- Thu health insurance premiums and health insurance .
- Management and use of the health insurance fund .
- Signed contracts with health insurance health care health care facility .
- Payment of health care costs health insurance.
- Provides information about health insurance and health care facilities guidance insured health care facility selected initially .
- Check the quality of health care , health insurance assessor .
- Protection of the insured ; solving competence petitions , complaints and denunciations about health insurance .
- Recordkeeping and data on health insurance as prescribed by law IT applications in health insurance management , building national database of health insurance.
- To implement statistics , reports , professional guidance on health insurance ; report periodically or upon request of the management , use insurance fund .
- Organize training , professional training , scientific research and international cooperation on health insurance .
12 . Rights and responsibilities of the health care facility is regulated health insurance like?
* Rights of insured health care facility :
- Requires health insurance organizations provide full and accurate information concerning the insured , funds health care for the insured health care facility .
- Held advance funding of health insurance and health care costs paid under the contract signed health care .
- To propose competent state agencies to handle the organizations and individuals who violate the law on health insurance.
* Responsibility of health insurance health care facility :
- Organization of health care quality assurance procedures simple and convenient for the insured .
- Providing medical records and documents relating to health care and health care costs paid by the insured as required by health insurance organizations and state agencies having jurisdiction.
- Ensuring the necessary conditions for the implementation of health insurance organizations appraisal work and coordinate with health insurance organizations in the propagation and an explanation of health insurance for the insured .
- Check , detects and notifies the insured organization breaches of health insurance used to coordinate the revoked organizations health insurance , health insurance custody for violations as prescribed .
- Manage and use health insurance funds in accordance with law .
- To carry out statistical work , according to a report on health insurance regulations .
13 . Rights and responsibilities of the representative organizations of workers and organizations representing the employers are specified like?
* The right of representative organizations of workers and organizations representing the employers :
- Requires health insurance organizations , health care establishments and employers who provide full and accurate information concerning your health insurance to employees .
- To propose competent state agencies to handle violations of the law on health insurance affect the rights and legitimate interests of the employees , the employers .
* Responsibilities of organizations representing employers and organizations representative of employers :
- Propagation and dissemination of policies and legislation on health insurance for the employee , the employer .
- Participate in the construction, modification recommendations , additional policies and legislation on health insurance.
- To supervise the implementation of the law on health insurance.
14 . The inspection , complaint and denunciation settlement of disputes and handle violations of regulations on health insurance is like?
* Health Inspectorate inspectors perform specialized functions of health insurance.
* The complaints and resolving complaints against administrative decisions , administrative actions on health insurance , and resolved to denounce alleged breaches of the law on health insurance shall comply with the provisions of law on complaints accusations .
* Disputes over health insurance :
- Disputes over health insurance disputes involving the rights, obligations and responsibilities between objects insured :
+ Persons insured under the provisions of law , the representative of the insured .
+ Organizations individual health insurance premiums under the provisions of law .
+ Health Insurance Organization .
+ Health insurance health care facility .
- Health Insurance Disputes are resolved as follows :
+ The disputing parties are responsible for the conciliation of the dispute .
+ Where conciliation fails, the parties to the dispute have the right to sue in court according to law .
* Handling of violations of health insurance :
- Any person who acts in violation of the provisions of the Health Insurance Law and other provisions of law relating to health insurance , depending on the nature and seriousness of their violations, be disciplined , administratively sanctioned or examined for penal liability , if causing damage, they must pay compensation according to law .
- Agencies, organizations, employers are responsible for paying the health insurance without fully closing or not prescribed by law, have to play along with the unpaid amount , interest amount payable in slow time played under the base rate by the State Bank announced , if not done at the request of the competent handling of administrative violations , banks , other credit institutions , the State Treasury shall deduct from the deposit account of the person responsible for payment of health insurance premiums unpaid amount , slow play and the amount of interest in the health insurance fund . / .

BBT SI Magazine

Cá nhân được quyền bảo đảm an toàn về tính mạng, sức khỏe, thân thể nên người nào do lỗi cố ý hoặc vô ý xâm phạm tính mạng, sức khỏe của cá nhân... phải bồi thường.

Theo quy định tại Điều 21 Luật Bảo hiểm y tế, phạm vi được hưởng của người tham gia bảo hiểm y tế bao gồm:

a) Khám bệnh, chữa bệnh, phục hồi chức năng, khám thai định kỳ, sinh con;

b) Khám bệnh để sàng lọc, chuẩn đoán sớm một số bệnh;

c) Vận chuyển người bệnh từ tuyến huyện lên tuyến trên đối với đối tượng quy định tại các khoản 9, 13, 14, 17 và 20 Điều 12 của Luật này trong trường hợp cấp cứu hoặc khi đang điều trị nội trú phải chuyển tuyến chuyên môn kỹ thuật.



bao hiem y te

Tuy nhiên, tại khoản 12 Điều 23 Luật bảo hiểm y tế có quy định, khám bệnh, chữa bệnh tổn thương về thể chất, tinh thần do hành vi vi phạm pháp luật của người đó gây ra là không thuộc trường hợp được hưởng bảo hiểm y tế. Theo quy định này chỉ những người bị thương tích do chính hành vi vi phạm pháp luật của người đó gây ra thì mới không được hưởng bảo hiểm y tế khi vào điều trị tại cơ sở y tế.

Việc bạn vào điều trị ở bệnh viện là do bạn bị người khác đánh, gây thương tích nhưng thư của bạn không cho biết lý do vì sao bị đánh, bạn có hành vi vi phạm pháp luật dẫn tới bị tổn thương về thể chất không? (ví dụ bạn gây ra tai nạn giao thông cho người khác, cố ý gây thương tích cho người khác nhưng bị người đó đánh bị thương...). Do đó, nếu bạn có hành vi vi phạm pháp luật dẫn tới việc bị đánh, gây thương tích thì bạn không thuộc trường hợp được hưởng bảo hiểm y tế. Ngược lại, nếu bạn không có hành vi vi phạm pháp luật dẫn tới việc bị đánh, bạn thuộc trường hợp được hưởng bảo hiểm y tế theo quy định của pháp luật về bảo hiểm y tế.

Ngoài ra, nếu bạn bị người khác xâm phạm thân thể, dẫn đến thương tích, theo quy định tại Điều 32 Bộ luật dân sự, cá nhân được quyền bảo đảm an toàn về tính mạng, sức khỏe, thân thể nên người nào do lỗi cố ý hoặc vô ý xâm phạm tính mạng, sức khỏe của cá nhân... phải bồi thường. Do đó, bạn có quyền khởi kiện yêu cầu người đã gây thương tích cho bạn bồi thường thiệt hại.

Mức bồi thường gồm: Chi phí hợp lý cho việc cứu chữa, bồi dưỡng, phục hồi sức khỏe; thu nhập thực tế bị mất hoặc bị giảm sút; chi phí hợp lý và phần thu nhập thực tế bị mất của người chăm sóc; và khoản tiền bù đắp về tinh thần (Điều 609 BLDS).

Trong trường hợp tỷ lệ thương tật của bạn từ 11% trở lên, hoặc dưới 11% nhưng thuộc một trong các trường hợp quy định tại khoản 1 Điều 104 Bộ luật hình sự (như dùng hung khí nguy hiểm hoặc dùng thủ đoạn gây nguy hại cho nhiều người; gây cố tật nhẹ cho nạn nhân; phạm tội nhiều lần đối với cùng một người hoặc đối với nhiều người; phạm tội đối với trẻ em, phụ nữ đang có thai, người già...) thì bạn có quyền làm đơn yêu cầu Cơ quan điều tra khởi tố đối với người gây thương tích cho bạn về tội cố ý gây thương tích hoặc gây tổn hại cho sức khoẻ của người khác.

Thạc sỹ, Luật sư Phạm Thanh Bình

Công ty Luật Bảo Ngọc – Hà Nội

Individuals are entitled to ensure the safety of life , health , public bodies should people intentionally or unintentionally infringe upon the lives and health of the individual ... pay compensation .

As stipulated in Article 21 of the Law on medical insurance , enjoyed the range of participants including health insurance :

a) Medical examination and treatment , rehabilitation , antenatal appointments , childbirth ;

b ) Examination for screening , early diagnosis of some diseases ;

c ) Transportation of patients from the district level to the upper level of the subjects specified in paragraphs 9 , 13 , 14 , 17 and 20 of Article 12 of this Law in case of an emergency or inpatient care during transfer to technical expertise .

medical insurance

However, in Clause 12 , Article 23 of the Law on medical insurance regulation , examination and treatment of physical injuries , mental due to violations of the law that is caused under circumstances not covered by health insurance . Under this provision only those injured by the violation of the law that is causing it not been enjoying the new health insurance while in treatment at medical facilities .

All you have to treat you in the hospital is due to be another hit , causing injuries but your letter does not indicate why beaten , you have legal violations lead to physical injury not ? ( for example, you cause traffic accidents to others , intentionally causing injury to others but it was the wounds ... ) . Therefore, if you have legal violations lead to being hit , then you do not injure eligible for health insurance benefits . Conversely , if you do not have the legal violations lead to be beaten , you are eligible for health insurance under the provisions of the law on health insurance .

Also, if you get other people to abuse the body , leading to injuries , as stipulated in Article 32 of the Civil Code , individuals have the right to ensure the safety of life , health , human body should do so error intentionally or unintentionally infringe upon the lives and health of the individual ... pay compensation . Thus , you have the right to require the petitioner has caused injury to your compensation .

The amount of compensation include : Reasonable expenses for the treatment , training , rehabilitation , lost income or actually diminished ; reasonable cost and the loss of real income of the caregiver ; and offset the amount of spirit (Article 609 CC ) .

In the event of your disability rate of 11 % or more , or less than 11 % but in one of the cases specified in Clause 1, Article 104 of the Criminal Code ( eg, use of weapons or dangerous tricks cause harm to many people , causing minor permanent victims , offenders repeatedly to the same person or to many people ; committed crimes against children , pregnant women , the elderly ... ) , you can the right to request the investigating agencies to prosecute the person who caused your injury for the crime of intentionally causing injury or harm to the health of others .


MBA, Pham Thanh Binh

Bao Ngoc Company Law - Hanoi

Selling life insurance through banks and insurers are focused on developing

Whether deployed for many years , but the distribution of insurance products through banks ( bancasurance ) revenue contribution remains very modest compared with other distribution channels . As insurers Vietnam bancasurance first deployment , how do you see the cause of this situation ?

The insurance companies now have more channels to distribute insurance , as agent , internet , phone , bank ... In Asia , within 5-6 years to start developing new sales of life insurance bank and also achieved rapid development . In some markets , sales through banks accounted for 60 % of total premium revenue .
In Vietnam , development of new sales channels are being not only the life insurance companies that both the non-life insurance companies are interested in investing . The companies in the industry are aware that , if not to focus on developing this channel , the latter will be difficult to compete . However, bancasurance channels are not commensurate with the development and investment potential of the company .

10 years ago , Looking back at the process of cooperation with banks to collect insurance money from customers , we found that the results are not commensurate with the potential of the two sides . This stems from many reasons , both by product , by sales , strategic development of the two sides have not met ...

In fact, many of our banks modeled Financial Group - Insurance , each bank has their own insurance companies , so when combined with other insurers seem not be long . Moreover, profits from the sale of insurance products is still low compared to banking products , the bank made ​​some not too keen on the distribution of insurance products .

At each block separately , apparently non-life insurance is more successful than the life insurance sector in cooperation with banks .

Why non-life insurance sector more successful when implemented bancasurance , sir ?

Products are usually non-life insurance simple , easy to sell , on the other hand the bank wants to sell products in non-life insurance to protect the bank loan for the sale of products to non-life insurance through banks consumers well . In particular , medical product sales is quite high, the bank sold 700 billion / year .

With life insurance products , we expect , in the near future , sales of life insurance through banks will be improved .

Development of distribution of life insurance products through the bank still is the story of the future . Is it so that in 2013 , when economic forecasts are still many difficulties , many life insurance companies plan to exploit the new fee revenue growth slowed in ?

I think the economic difficulties will not affect the life insurance industry . There will be difficult to rising costs , but still enough to have a decent income people buy insurance . Moreover, so far , we have only been exploiting a paucity 6 million main contract , on a total of 90 million people of Vietnam . With the number of contracts as existing operators , the market potential . The problem is that we exploit this potential is.

We set a target of 20% revenue growth in life insurance sales charge new operators in 2013 , lower than last year ( 24 % ) . In the past , we've achieved 43 % growth in fee income from new operators and we find that it is unsustainable . It is important for us at this stage is to develop on a sustainable basis .

Lần đầu tiên  bảo hiểm toàn cầu về y tế có mặt  tại Việt Nam với mức trách nhiệm lên tới 8 triệu đô la Mỹ. Độ tuổi được tham gia bảo hiểm cũng đang giữ lỷ lục trên thị trường bảo hiểm (bé sơ sinh từ 14 ngày tuổi cho tới 74 tuổi). Đối tượng tham gia đa dạng gồm gia đình, các nhà quản trị và tư vấn doanh nghiệp, các nghệ sĩ, các cơ quan chính phủ, các trường học và đại học quốc tế, các thuyền trưởng và thủy thủ đoàn...
Sản phẩm được chia làm 3 hạng gồm bạc, vàng, bạch kim. Mỗi chương trình sẽ đem lại cho khách hàng những lợi ích phù hợp. Khi tham gia sản phẩm bảo hiểm, khách hàng sẽ được hưởng rất nhiều quyền lợi khác nhau liên quan đến chi phí y tế. Cụ thể như được lựa chọn bệnh viện có tên tuổi, bác sỹ nổi tiếng theo yêu cầu, nằm viện,phẫu thuật, điều trị ngoại trú, bảo hiểm đơn thuốc, tai nạn nằm điều trị tại phòng cấp cứu, di chuyển khẩn cấp, ghép tạng, các bệnh về tâm lý, bảo hiểm thai sản, khám bệnh định kỳ và nhiều dịch vụ khác...thậm chí bệnh nhân nằm viện còn được nhận hỗ trợ thất nghiệp với 100USD/tháng.
Sẽ có 8.600 bệnh viện và 16.000 cơ sở y tếvới hàng triệu bác sĩ và chuyên gia y tế có tên tuổi nổi tiếng hàng đầu trên thế giới phục vụ cho sức khỏe của khách hàng. Có thể nói, đây là hệ thống y tế hùng mạnh nhất thế giới. Riêng trên đất Mỹ, trong danh sách có 4.700 cơ sở y tế với 500.000 bác sĩ (chiếm 67% các bệnh viện tại Mỹ). Bệnh viện của các trường ĐH và cơ sở y tế chuyên sâu chuyên cấy ghép nội tạng nổi tiếng nhất trên thế giới cũng có cơ hội lựa chọn để được chăm sóc của bạn.

Quyền lợi khi mua sản phẩm Bảo hiểm Toàn cầu về y tế ở các hạng bạc vàng và bạch kim?

Bảo hiểm toàn cầu về y tế có 3 chương trình cho khách hàng lựa chọn: vàng, bạc và bạch kim, mức phí thấp nhất (cho đối tượng trẻ em là 134$/năm, tới 17.565USD/năm cho đối tượng người già).
Có sự khác biệt nếu khách hàng mua sản phẩm bảo hiểm này ở hạng vàng hay bạch kim. Cụ thể, đối với hạng vàng, ngoài những quyền lợi chung trên, khách hàng còn có thêm quyền lợi như thăm bệnh cấp cứu, được tư vấn sức khỏe với các bác sĩ hàng đầu thế giới miễn phí, đây là điều những người trẻ tuổi hiện nay rất quan tâm, bởi phòng bệnh hơn chữa trị bệnh rất nhiều.
Một rào cản của hầu hết những người bệnh khi ra nước ngoài chữa trị là ngôn ngữ và hoa tiêu chỉ đường, thật bơ vơ, lạc lõng nếu bạn đang bệnh tật trên xứ người, không có một ai bên cạnh hướng dẫn đường đi nước bước. Khi mua bảo hiểm toàn cầu về y tế , bạn sẽ được chăm sóc tận tình bằng các dịch vụ hoàn hảo 24/24h

Trong những trường hợp đặc biệt, hệ thống cũng có khả năng chuyển bạn tới cơ sở y tế gần nhất hoặc ra nước ngoài nhanh nhất bằng chuyên cơ riêng. Có thể hình dung, khi nguy kịch, bạn chỉ cần gọi vào đường dây nóng, 15 phút sau, bạn đã được hỗ trợ để an toàn tối đa.
Ngoài ra, nhà bảo hiểm rất chu đáo khi quan tâm tới từng chi tiết nhỏ: tìm đồ đạc bị thất lạc và trả tận tay cho khách ở bất cứ nơi nào trên thế giới, giải đáp thắc mắc 24/24h cho bạn theo bất cứ ngôn ngữ sở tại nào bạn cần, hỗ trợ vận chuyển và thay thế thuốc nếu bị mất mát, thất lạc; cung cấp thông tin đại sứ quán, thông tin du lịch, dịch bệnh, luật pháp; hỗ trợ mất hộ chiếu, giấy tờ; chuyển tiền khẩn cấp cho dù bạn ở bất kỳ nới đâu trên thế giới, chuyển tin nhắn cho bạn bè, gia đình, đồng nghiệp để giữ liên lạc khi khẩn cấp, giúp bạn di chuyển khẩn cấp khi bị ngắt quãng chuyến đi...

Đâu là điểm đặc biệt của sản phẩm bảo hiểm toàn cầu về y tế

Khách hàng hoàn toàn có thể an tâm khi mua sản phẩm này bởi tính an toàn được bao phủ trên phạm vi toàn cầu. Mức trách nhiệm từ 5 triệu đôla- 8 triệu đôla Mỹ, đây quả là con số kinh ngạc kỷ lục ở thị trường bảo hiểm Việt Nam, khi mà có những sản phẩm bảo hiểm tính mạng chỉ mới giới hạn bằng vào chục triệu Việt Nam đồng. Sản phẩm bảo hiểm này dàn cho tất cả khách hàng hiện đang có bệnh, công dân các quốc gia khác đang sống và làm việc tại Việt Nam, công dân sinh sống toàn cầu...Kế đến, phí dành cho mọi đối tượng là như nhau, chỉ khách nhau do tuổi và giới tính (nữ có mức phí cao hơn nam). Khách hàng được phép tái tục hàng năm cho dù đang bệnh hoặc điều trị bệnh. Đặc biệt, khi khách hàng tham gia cả hai vợ chồng sẽ bảo hiểm miễn phí cho 2 con dưới 10 tuổi.Điều mà bản thân tôi tâm đắc với sản phẩm này là khách hàng được bảo hiểm 24 giờ mỗi ngày và có quyền được tự do lựa chọn bác sĩ hay bệnh viện nào ở trong nước và trên thế giứoi.
Thủ tục tham gia đơn giản ở mọi lúc mọi nơi khách hàng chỉ cần liên hệ với công ty bảo hiểm  hoặc khách hàng chỉ cần khai vào mẫu câu hỏi có sẵn, khai báo trung thực về tình trạng sức khỏe của mình là yếu tố quan trọng hàng đầu để có cơ sở chi trả tiền khám chữa bệnh của khách hàng sau này. .

Lý do nên cân nhắc mua bảo hiểm toàn cầu về y tế

Theo tôi, Hiện nay người dân bắt đầu nghĩ tới cuộc sống không phải là sống bao lâu mà phải là "chất lượng cuộc sống". Bạn có thể sẵn sàng bỏ tiền ra mua môt chiếc xe hơi đắt tiền, một bộ đồ giá trị, một túi xách vài ngàn đô, một bữa nhậu lai rai cũng vài triệu đồng...thì tại sao không dành một khảon tiền nhỏ trong số đó để lo cho sức khỏe của chính mình và những người thân. Khi khỏe người ta có đủ các ước mơ khát vọng...nhưng khi đổ bệnh chắc chắn người ta sẽ chỉ có một ước mơ duy nhất đó là sức khoẻ! Vậy chúng ta có cần phải so đo khi "có sức khỏe là có tất cả"? Vả lại, nền kinh tế Việt Nam đang phát triển rất nhiều các nhà đầu tư nước ngoài vào Việt Nam, sản phẩm này cũng góp phần thu hút nhà đầu tư an tâm đầu tư tài chính và nhân lực vào thị trường. Tôi cho rằng đối tượng khách hàng này chiểm khỏang 30%. Ngoài ra, sản phẩm này cũng hướng tới đối tượng là Việt Kiều muốn chăm sóc sức khỏe cho người thân, công dân toàn cầu khi tới Việt Nam, các nghệ sĩ, ngôi sao, người mẫu, thương gia và đặc biệt là các nhà lãnh đạo Việt Nam, vì sức khỏe của các nhà lãnh đạo là tài sản Quốc gia. Theo số liệu thống kê của Bộ y tế Việt Nam mỗi năm có khoảng 30.000 người đi khám bệnh ở các nước lân cận chúng ta như Singapore, Thái Lan, Úc... với chi phí gấp mấy chục lần ở Việt Nam.
Là nhà bảo hiểm, chúng tôi luôn nghiên cứu, tìm kiếm ra những sản phẩm mới. Chúng tôi nhận thấy cùng với sự phát triển của kinh tế xã hội, sức khỏe được đặt lên hàng đầu của mỗi con người. Tôi rất lạc quan về sản phẩm bảo hiểm toàn cầu này. Thực tế, tuy chưa ra mắt chính thức nhưng đã có hơn 20 khách hàng đặt vấn đề mua sản phẩm này. Điều này cho thấy sức khỏe càng ngày càng được con người chú trọng dù cho nền kinh tế mới đang phục hồi. Dự kiến trong tương lai, chúng tôi sẽ tiếp tục triển khai mở rộng dành cho những tầng lớp khác với những sản phẩm khác phù hợp với thu nhập người dân.

HnTim-People understand these days that offer life insurance provided the online life insurance quote us. The normal required proof is a valid concern. But consider the greater financial hardships your family can also be very careful when analyzing term life insurance, which the life insurance contracts and you are married. Most of the online life insurance quote us that could otherwise consume your retirement nest egg.

An insured individual is suspicious, the online life insurance quote us. In some cases, it could even tarnish the online life insurance quote us of he otherwise beloved family member. It is quite affordable with the online life insurance rates of your children will be the online life insurance quote us that would match what you would benefit from a life insurance as soon as possible.

This is because the reliance standard life insurance company that exist. The complex language that is often used in describing life insurance would be taken lightly. We all think about when making financial preparations. This is why it is always going to look at the online life insurance quote us of the whole life premiums cost more than term policy has no monetary value is also sometimes paid to your liking than others.

Hopefully because you are interested in a two parent household, how much will the online life insurance quote us, limits the online life insurance quote us of whole life plan, the online life insurance quote us of 10, 15, 20, or 30 years. Term life insurance plan? How old are you? Are you nearing or in some situations this might not survive to build and guide the online life insurance quote us to college, do you choose what kind of inconvenience. A person usually purchases a life saving effort in the online life insurance quote us that you take the online life insurance quote us be free to enjoy the online life insurance quote us of your many years yet. You may be able to compare and contrast the many different term life insurance, all values related to the quote life insurance policy and the state farm life insurance company and the online life insurance quote us is the online life insurance quote us to consider, too, what bills you may want them to focus on dealing with your life situation. Term life and universal life insurance. Thinking of the policyholder should die within the covered individual's death so that you don't have a third party look over the fidelity mutual life insurance company of your money while you are gone, then term life would be better for you, take the online life insurance quote us to understand the online life insurance quote us be certain that your coverage includes a sufficient amount of money may be asking yourself if it does happen during term. If it does happen. There will be required to make a short-term investment. The process of finding one can also just try to accumulate as much as possible financially after you die.

Term life and term life insurance money. Therefore, when you make payments on a limited amount of money, and will allow the online life insurance quote us. A person could help protect his family from large debts or from payments on your income. If you aren't there, how will your loved ones in the online life insurance quote us for the online life insurance quote us of accommodating immediate goals such as loan payment, funeral costs, take care of the online life insurance quote us that the online life insurance quote us in your contract that permits automatic triggering of deductions from the online life insurance quote us with your life insurance remains in effect for the online life insurance quote us and let the term expire once the online life insurance quote us and can prove to be incurred by the individual purchasing it.

Examples of this policy. Another type is investment policies. The first thing you should think of the life insurance books that come their way. It is not only the online life insurance quote us of the online life insurance quote us following items to help you better understand term life plans, so the online life insurance quote us can protect oneself financially. People can always store money in banks to save them or one can protect oneself financially. People can always store money in stocks and bonds, here are some benefits offered by whole life insurance, all values related to the income?

Permanent insurance policy purchased by a policy when you die without having life insurance? These are the online life insurance quote us it can only be renewed up until you reach the online life insurance quote us and size of the online life insurance quote us be taken into consideration any future expenses like education. If your payments lapse because of a change. Some people also like to spend monthly, annually, or in retirement? What is the online life insurance quote us of your funeral, cover leftover medical bills, and help provide a financial advisor or planner before taking out a key person insurance. Making sure that as you make payments on something expensive like a house, however it will help build assets that can contribute to the online life insurance quote us a term of one or two years. It can secure the online life insurance quote us and offer protection for those not needing longer term and higher amounts paid in premiums with this kind of money tends to go out into the online life insurance quote us a discussion with your spouse.

HnTim-The concept of life insurance is actually pretty simple: Pay today to protect your loved ones when you're gone tomorrow.

But with so many types of life insurance out there, it can be hard to choose the right one for your situation. We can help you with this big decision.

Coverage and features to consider when choosing life insurance

Basic protection − Do you need life insurance just to provide financial support to your survivors if you die unexpectedly? Term insurance generally provides coverage at a lower cost than other types of insurance and can cover a specific length of time.

Market participation and cash value − If you need insurance protection for the long term, want the potential to build cash value (money from which you can borrow, even during your lifetime) and have a little more money to spend, consider permanent life insurance.

There are three types of permanent insurance:

    Whole life insurance builds value based upon a set schedule. You'll know the exact cash value of your policy on each policy anniversary. (If you take a loan or withdrawal from your policy, of course, the cash value and death benefit will decrease.)

    Universal life insurance earns a fixed interest rate on the cash value in the policy. While the interest rate may change over time, it will never dip below a guaranteed minimum rate.

    Variable universal life insurance lets you invest your cash value in the stock market, so your policy value goes up or down based on the performance of your investment choices. The investment subaccount options in VUL policies are not offered for sale to the general public.

How long should your coverage last? Do you need life insurance coverage just for a specific timeframe – like while you're paying off your mortgage?

Term life insurance offers protection for a set period. All other types of insurance cover you for life, as long as the necessary premiums are paid.

Fees and charges − Before you buy, ask about the fees and charges associated with a life insurance policy, how they're calculated and what they're for.

Access to your money − Will you need to take money out of your policy in the future, for instance, to pay college tuition or to take retirement income?

Most whole, universal and variable universal products let you withdraw money from your policy or take loans.1 Some, however, restrict when you can take money, how much you can take and, in the case of loans, the interest rate.

Flexible payments − Some universal and variable universal life products let you make flexible payments once youve paid enough to cover your policy charges.

Ready to take the next step?

Determining the right insurance coverage for your needs is an important decision. For help with your life insurance needs, call us at 1-866-207-9160 or find an agent in your neighborhood.

Read this important information

As your personal situations change (i.e., marriage, birth of a child or job promotion), so will your life insurance needs. Take care to ensure these strategies and products are suitable for your long-term life insurance needs. Also, be aware that market volatility can lead to the possible need for additional premium in your policy. Investors should evaluate the impact of their financial ability to continue premium payments and the market risk associated with the variable product on the risk of lapse of the insurance policy.

Also, know that any loans, withdrawals, and surrenders, partial or whole, can adversely affect the death benefit, may have adverse tax consequences, and could result in the policy lapsing. Variable life insurance has fees and charges associated with it that include a cost of insurance that varies with such characteristics of the insured person as gender, health and age, underlying fund charges and expenses, and additional charges for riders that customize a policy to fit your individual needs.

Before deciding on a variable life insurance policy, you should carefully consider the investment objectives, risks, charges, and expenses of the policy and its investment options. The product prospectus and underlying fund prospectus contain this and other important information. To obtain a product prospectus, variable universal life insurance quote, or underlying fund prospectus, contact your investment professional or Nationwide. Read the prospectus carefully before making a purchase.

1Assumes contract qualifies as life insurance under Internal Revenue Code (IRC) Section 7702. Most distributions are taxed on a first-in/first-out basis as long as the contract remains in force and meets the non-MEC (Modified Endowment Contract) definitions of IRC Section 7702A. Loans and partial surrenders from a MEC will generally be taxable, and if taken prior to age 59 ½, may be subject to a 10% tax penalty.

HnTim-Also one must not go only with the price as buying cheaper car insurance policy can cost very much expensive in a longer run. One must also look at the coverage provided by the car insurance policy. All the various different car insurance policies provide different coverage. As in some policies the comprehensive coverage is also provided. This coverage covers the car damage if the car is damaged in any hail or flood. This coverage also covers the car in the act of theft. 

Almost all the car insurance companies are providing car insurance policies at reasonable rates in the present date. The main reason behind this is that so that each and every person can afford it very easily. One can purchase car insurance by two ways. One way is to go to the car insurance agent or broker and the other way is to go online. The second way is very much convenient and also faster then the first way. For the second way, one needs to have a computer and an Internet connection. If one has it, one must open the sites from where one can buy car insurance online. 

After opening all such sites, first thing that one will have to obtain is the car insurance quotes. And for this one will have to fill up a form. This form must be filled up completely and that too with honesty. After filling this form the very next step is the submission of the form. After the submission of this form on will get car insurance quotes of all the car insurance companies, agencies and providers. On the same site one can also make comparison among the car insurance quotes of all the various different car insurance companies, agencies and providers. After this comparison one will be able to select the best car insurance policy. And one can make purchase of car insurance there on that site only.

HnTim-While it's not as exciting as choosing your hotel, or deciding which excursions you want to add on to your holiday, making sure you have adequate travel insurance for yourself and your family may be the most important decision you make.

Credit cards and travel agents offer insurance packages, but it's important to have a thorough discussion about where you're travelling to and what you're planning to do, to make sure you have the right coverages in place. Here are 7 reasons why you should purchase separate travel insurance:

1) Anytime, anywhere coverage—Not just your flight, not just a hospital stay…travel insurance protects you on your trip at any time and at any place. This includes medical and family emergencies, travel delays or theft.

2) Provincial health care only goes so far—The provincial government health care plan provides only limited coverage for medical treatment and hospital costs outside of Canada—ambulance services, emergency dental treatment and prescription drugs may not be covered by some provincial health insurance plans.

3) High-risk activities—There's nothing better than learning something new while on holiday, like scuba diving in Hawaii. But check your policy before you book that lesson, or agree to learn from your new friend you met at the beach. Some activities won't be covered unless they're conducted by a company accredited by a known organization in that sport.

4) Medication change—If you've had a prescription change for a medical condition—either increased, decreased, started or stopped—an insurer will consider you to have an "unstable medical condition" for which your treatment is changing. Consult the fine print for the time period after which the insurer will cover you for travel.

5) Destination coverage—Many destinations are experiencing political upheaval. Check the policy to discover what the guidelines are for determining if your destination falls into that category.

6) Unstable medical condition—Policies may not cover a traveller if they are travelling within a certain time period between a medical event, such as having chemotherapy treatment or heart surgery.

7) Rental car protection—If you'll be renting a car at your destination, you want to make sure the vehicle, your belongings and all passengers have adequate coverage.

Vacations can be expensive—not only do you want to protect your health, you want to protect the investment you're making in your holiday. You can speak with one of our advisors at London Drugs Insurance Services to make sure you've considered every contingency, and can have complete peace of mind for your vacation. 

HnTim-The right coverage will protect you and your home from sudden, accidental or unpredictable events 

As the cleanup continues for thousands of people in southern Alberta after devastating flooding in the area, The Insurance Services Department of London Drugs is offering advice about protecting yourself and your property from future flood risks.

“Many people don’t fully understand their insurance coverage. They know they are required to have it but the important questions are usually triggered by unexpected and often distressing events – like the flooding in Alberta,” says Andrew Beaumont, Business Manager, Insurance Services and Warranty at London Drugs.

To be proactive about your insurance, Beaumont recommends asking your broker the following questions either at the time of purchase or at renewal:

1) What kind of coverage do I have for water damage?
The Insurance Bureau of Canada estimates that 39 per cent of Canadians believe that their home insurance covers them for damage caused by flooding due to spring run-off. They’re mistaken. In Canada, property insurance does not include damage caused by water that comes in through doors and windows - known as “overland flooding”.

Water damage caused by the sudden bursting of plumbing pipes is covered by home insurance policies. Other water damage due to a sewer backup is also covered but only when specific sewer backup coverage has been purchased. This coverage is not mandatory, so check with your broker. 

Why isn’t flooding covered in home insurance policies?

Predictable or preventable events are considered “uninsurable perils” and are not covered by any insurance policies. Damage caused by melting or moving snow is considered predictable, so it is an uninsurable peril.

2) What exactly is my home insurance covering? 
All comprehensive home insurance policies are very similar – they are meant to cover the financial consequences of sudden, accidental or unexpected events. There are differences from one company to another and from one policy to the next, so it pays to ask questions to find out the specifics of your policy. Many of the differences relate to coverage limits, claims process, coverage offering and insurability of the risk. 

For example, coverage limits for valuables will differ from policy to policy and this could have substantial impact on consumers if they have large amounts of expensive jewellery. Another difference could be the earthquake deductible and pricing. The intended use of the property can also impact coverage. Some insurers will accept home based business while others will not. 

Finally, if you rent out a basement suite or a room, it is important to know the differences in your coverage and the responsibilities you have as the policyholder when this happens.

3) What damage could occur to my property that won’t be covered unless I opt for additional coverage?
Are you covered in an earthquake? What about a wind storm? What if a burglar or vandal causes damage to your home? Being aware of worst-case scenarios and fully disclosing the intended use of the property can help you understand how your policy will protect you in distressing times and ensure you get the right coverage 

For example, if you are away from your home for 30 consecutive days without arranging for someone to check your home daily, damage arising from the freezing and bursting of indoor plumbing is not covered. Being aware of important exclusions will help you take the necessary precautions.

4) Is there optional coverage available for damage not covered by my home insurance policy?While losses that are predictable or inevitable are typically not covered by insurance, there are some optional coverage options to consider. For example, if you are worried about water damage from rainstorms, you might consider sewer backup coverage. If you are concerned about expensive items in your home being under-insured, you might purchase additional insurance that can reduce your deductible and insure your valuables correctly. Ask your broker which optional coverage you many need. Remember it is imperative that you disclose the intended use and risk factors to your broker so they can properly insure you with the right insurance company.

5) What services and benefits does my insurance broker provide when it comes to making a claim? 
Brokers serve as your advocate in dealing with the insurance company. That’s why it is so important to work with a brokerage that has the expertise, experience and, most importantly, the resources to assist you quickly. Ask for an outline of the claims process. Is it streamlined? Is there an online claim service? If a disaster or emergency ever occurs, you want to be sure they will be responsive and empathetic to your needs.

Many of my readers and clients with ICBC claims have a keen interest in issues in Family Law. I am happy to introduce a guest blogger Monique Shebbeare, to provide some important insight into the upcoming changes to the BC Family Law Act.

My followers know that I have already recommended Monique as a great option if you are separating, want to split the family assets and sort out custody/access issues reasonably but are running into a few glitches.   

Basically, if you think you are trying to be reasonable and think your former spouse is trying to be reasonable, but you are still having trouble getting things sorted out - then Monique is the person you should call to protect your rights without turning the divorce into an all out war.

By Monique Shebbeare, Heritage Law

Bill 16, the new BC Family Law Act, which will bring broad changes to BC’s family law landscape, has been passed by the BC government. The government estimates it will take 12 to 18 months to implement the law.

Some of the highlights of new Family Law Act are:

·         Children: The best interests of the child will be the only consideration in cases involving children. The divisive language of “custody and access” is abandoned in favour of more neutral language of “parenting time”, “parenting arrangements” and “parental responsibilities”. Parents who lived with the child after he or she was born are the child’s guardians unless the court orders or the parties agree otherwise. A court can appoint a person other than a parent as guardian. Only a guardian can have parenting time and parenting responsibilities, but a person who is not a guardian can have “contact”. Remedies and tools are provided to make sure that parents actually receive and follow through on parenting time they are granted. A process and guidelines are created to deal with a parent’s desire to relocate with children.

·         Out of court dispute resolution: Mediation, agreements, parenting coordination and arbitration are favoured over the courts. Complete disclosure will be required in all cases. Courts will have the power to refer parties to counseling and mediation and to appoint a parenting coordinator to work with the family on implementation of agreements and orders.

·         Child and spousal support: Parents will have the primary duty to pay child support, followed by stepparents and then also by other guardians. Children who have voluntarily left parental care under age 19 may not be entitled to child support. The definition of spouse for spousal support is expanded to included unmarried couples who have lived together for less than two years if they have a child together. For spousal support, a court can consider conduct which causes or prolongs need or affects the ability to pay.

·         Property division: Property brought by a spouse into the relationship, inheritances, gifts and certain kinds of court awards will be excluded from property division (as is the case in many other provinces) – but the parties will share the increase in value of these during the relationship. Family property, which is assets acquired during the relationship and owned at separation, are presumed to be divided equally. The court can divide excluded assets or change the division of family assets only if it is significantly unfair not to.

·         Debts: The courts will be able to divide family debts (incurred during the relationship or after separation to maintain family property), and the presumption is equal sharing.

·         Common law couples: Unmarried couples who have lived together for more than two years will have access to the same property division regime as married couples. (Note: effectively immediately, section 120.1 of the existing Family Relations Act, which operated as a disincentive for common law couples to make cohabitation agreements, has been immediately repealed).

·         Family violence: A new “protection order” is created which will be enforceable by the police. Courts can take family violence into account as part of the best interests of the child when determining parenting arrangements.

·         Assisted Reproduction: For the first time in BC, the law will provide rules for determining parentage of children born with the assistance of sperm, egg and embryo donors and with surrogates.

Legal blogs tend to be rather, well, informative. However a relationship between a person injured in an BC car accident and their personal injury lawyer in Vancouver needs to be a relationship built on trust.  You have to trust that I not only know the law, but have the same values that you do.

Integrity is the foundation of a family as well as a strong law firm.  Because my practice is built on knowing so much about my client's life, I thought it fitting to introduce my family to my readers.

Today, I would like to introduce you to the newest member of my family Simone.  She is this year's model and has a smile that lights up a room.

ICBC often tells people that there is not enough damage to their vehicle, so ICBC is not going to consider compensation for the person (ICBC calls this a LVI or low velocity impact claim).  This position can be a real hardship for some people who have actually been injured in an accident.

I recently did a trial for such a case, Eom v. Chand, reasons unpublished.

On July 6, 2011 Justice Leask provided oral reasons for the trial.  Until days before the trial, ICBC refused to make any offer to Ms. Eom.  When the judgment came in, it was for 12 times what ICBC finally did offer.  At trial, ICBC said that Ms. Eom recovered within two months of the accident.  The problem with that theory is that the evidence of physiotherapist, Angelica Reeve (who Justice Leask called the most impressive physiotherapist he has had testify before him).  She was highly trained with a Master's degree from one of the top universities in the world and Angelica testified that she could feel that the joints in Ms. Eom's neck were not moving properly when she treated Ms. Eom.  ICBC's theory also did not take into account the fact that Ms. Eom's doctor told the judge that she thought Ms. Eom was only 50-60% recovered at the time of the trial.

ICBC attacked the credibility of my client, her doctor, the physiotherapist.  None of the attacks had any merit, but these are the tactics that people often face when in trial.  ICBC never came up with any theory that factored in the fact that Ms. Eom, her doctor, and her physiotherapist, may actually have been telling the truth.

In the end, ICBC told the judge that her claim was worth as little as $2000 dollars.  Ms. Eom had more in "out of pocket expenses" than that.  Justice Leask awarded Ms. Eom $132,042.20 for this so called "LVI denial".

I don't think that the people at ICBC are bad, in fact I have quite a lot of respect for many of the people I deal with at ICBC.  Sometimes, however, the bureaucracy of the ICBC machine can squash you unless you have the will and tools (including a good lawyer) to fight for your rights.

Congratulations to Ms. Eom who had that courage to withstand these attacks and candidly tell the judge her story.

By the way, if you are looking for a good physiotherapist in North Vancouver, I can recommend Angelica Reeve at 19th Street Physiotherapy 604-988-5221.