Health Insurance Companies

Health insurance is a promise of financial compensation against any unforeseen medical expenses. A health insurance company is an organization that provides health insurance policies that individuals can purchase to protect them and their families against any loss. This policy implies that in case of any health expense, the company will compensate any financial loss. To have this cover, a person is required to pay a fixed amount periodically to the company, which is known as premium. Health insurance companies are governed by regulatory bodies that make sure that these companies do not get involved into unethical practices.Health insurance companies offer many types of health insurance plans namely individual health insurance plans, group health insurance plans, indemnity health insurance plans and managed care health insurance plans. Individual health insurance plans can be purchased by individuals to cover them in case of any major medical expense. Group health insurance plans are usually purchased by the employers for their employees to provide coverage for their as well as their families’ medical expenses. Individual health insurance is more expensive than group health insurance. Group health insurance premiums are paid by the employers. However, in certain cases, employees too contribute towards it.However, each health insurance company will have its own unique policy of providing cover as well as services to the insured party. Thus, it is important to understand what is covered under a particular policy and what is excluded. Health insurance companies operate through their web portals. Local agents can help customers understand the details of the contract offered and can also provide a quote. Most companies have a national toll free number where a customer can call to obtain all these services.Therefore, before buying any health insurance policy, customer must compare quotes from different insurance companies and the perils covered and only then get the policy written. It is possible to get a policy written over the phone or through the local agent.

Educational DS Games – Which One is Right For Your Child?

There are many educational games for the Nintendo DS. From subject-specific games to all-in-one generalized teachers, from IQ-testing to barely-educational, Nintendo’s catalog of educational DS games is a sprawling list. How does a parent make heads or tails of such a wide variety? How can a parent choose a learning game to fit a child’s needs?Well, we’re here to help.First thing’s first with educational DS games:Who’s it for?Some educational DS games are made for the younger crowd, 2nd grade and under. Some are aimed at the middle-school set. Yet more, usually created for the high schoolers or even university-level crowd, can hardly be called games in the traditional sense.Decide which of your talented, happy children will be the beneficiary of your educational DS game purchase. If he’s a young buck, you’ll need to move towards the more colorful, easy learning games. These games often have famous characters like Spongebob or Mickey Mouse plastered all over the boxes – a sure-fire way to help the younger crowd engage with the educational game.The middle crowd is often the most difficult for which to buy a learning game. They’re smart – there’s no tricking them with cartoon characters. Assuredly, they’ve played video games before, so the bare fact of being handed a Nintendo DS won’t be enough for them to be satisfied with playing some dorky educational DS game. Unless you’re blessed with a child who “takes” to learning like every parent dreams, the trick with the upper-grade school level and middle-school kids is to find a game that’s entertaining enough for the child to look past the fact that he’s learning.Finally, with the older crowd – there’s no trick. They’ll likely get their own educational DS games, or know to ask you for a specific game, making the whole search much easier for you. With them, it’s often unnecessary to mask the learning in the form of “edutainment,” so “game”-makers focus on packing in as much learning material as possible. There are, of course, exceptions.Educational DS games Part Deux – what do you want to teach?There are ESL-teachers, basic arithmetic learners, vocab-busters, and IQ-testers, amongst many, many others.What are you trying to do? Reinforce a skill? Teach the basics of a subject in which they’re falling behind? Instill a life-long love of learning and educational gaming?Much of what you end up buying will be dependent on what your intent is. Some games are fairly limited in scope – they promise to teach the rudiments of spelling, perhaps. Some will “stick to what they know,” and do it well; for instance, there are a number of game makers who sell an entire line of educational DS games that teach one subject, and one subject only. Some games go even further, teaching a specific subject to a specific grade or age-level. And finally, there are the more generalized games, which usually offer a greater and wider variety of games, and are geared to last longer than a typical DS game’s entertainment life.Educational DS games Part Three – how much are you willing to work?Here’s the hard-look-in-the-mirror part.Educational DS games are often a hard sell. Put a word like “learning” or “mathematics” in the title, and you kid’s gut instinct will likely be to either cringe or smile and let it sit at the back of the closet, unplayed, forgotten.The truth is, for ages 5-15 or so, you might have to show them how an educational DS game can be bearable. Even: fun. So, what kind of game can you stand to play? What kind of game will your kid put up with? Think about it: if you don’t enjoy adding columns of numbers, your kid likely won’t, either.So: can you afford to sit down and play a few rounds of “math” with your child? Can you bear it? A child will play a game as dry-sounding as “Vocab for 5th graders” if you’re there to make it fun. If you don’t have the time or patience to invest, you’re best finding a game that trends towards edutainment, or a generalized learning game.And finally: how to choose an educational DS game for your kidTake part one – your child’s age. Take part two – what they’d need to learn. Then, part three – your level of investment. Finally, take a look at on-line reviews, see what other parents have to say.For busy parents with kids of all ages, the best type of educational DS game is one of the generalized IQ-testers and learners. The “think” games, the “Brain” games; the ones that track a kid’s IQ (or branded-equivalent) seem to last longest with children of all ages – the competitive nature inherent in an IQ-tracking game seems to stimulate and drive children, teens, and young adults to keep playing.For parents with enough time to guide and cajole their kids into playing an educational DS game, games aimed at particular age groups, teaching particular subjects, are often the best idea. The targeted learning approach, when coupled with a parent’s coaxing, usually show stronger results within the subject the educational DS game teaches than the generalized games. However, note that these improvements are limited to the subject the software teaches in the case of these specified teaching games, whereas with the generalized software, smaller improvements are generally seen across the board.

Educational Leadership in the 21st Century

Education plays a unique role right from the birth of humanity in its onward journey. In the background of the emerging global country of 21st century, education has incomparably challenging roles to play. The ‘global family’ becomes a close -knit community, minimizing and eliminating geographic, ethnic, linguistic, cultural, economic and all other barriers and the role of education has to undergo a conspicuous change. At this era of reconstruction and redefining, the very concept of education has to be reconstructed, redefined and modified assimilating the good elements of the past and discarding the bad ones. In fact, the basic concept of education remains intact in its mission but pedagogy and methodology have to be reviewed. That is what T.S Eliot said, “It is in fact a part of the function of education to help us escape, not from our own time — for we are bound by that — but from the intellectual and emotional limitations of our time.”The educational leadership in this century is endowed with the noble role of managing these changes in an effective and appropriate manner.The most important challenge of education is to keep pace with the knowledge society. The knowledge and information evolve, develop and are acquired at an alarming speed. The educational leadership has to help the institution encompass the exploding growth of knowledge lest it would remain obsolete. This emphasizes the education being technologically up to date and scientifically exploring. This paradigm shift is due to the giant leaps in communication and information technology that can be manipulated as an asset rather than a challenge. Thus, the real concern in education today lies in the effective management of this complex phenomenon. Therefore, the academicians need to be dynamically ultra paced in the pedagogic process.The highest edge of competition is the talisman of 21st century. This quest for excellence prioritises the need for competitiveness in all fields. The quiescent knowledge imparted through conventional methods may leave the principal and the agent in the education far behind the signs of the time. The product of an alma mater needs to be equipped with the best to face the world ahead of it. Unless the institution succeeds in this noble mission, it will merely be added up as just one among the others in the list of the so-called millions of schools. Thus, leading innovation in education ensuring uncompromising quality in the minutest of details and at the same time being effective, the educational leadership makes an institution a pace-setting one.An effective education is life education. Advancing one’s knowledge and imbibing competence become worthwhile only when it contributes to the emotional intelligence and quality of life of the individual. John Dewey defines,” Education is not preparation for life; education is life itself”. 21st century has the biggest chaos in its values and priorities. Along with achieving professional growth in life, the overall development of the individual needs a special stress. Education should equip an individual to re-define and re-discover the culture and values for oneself. How an individual takes decisions and allots priorities depend on how well the education has expanded his/her horizons. To dedicate oneself to the service of the nation and his/her fellowmen, one needs to be reinforced by the quality of education he/she receives. The question is whether the modern education leads a learner forward along a path where he is enriched academically, culturally, emotionally, physically and spiritually or not. “The main part of intellectual education is not the acquisition of facts but learning how to make facts live.” — Oliver Wendell HolmesThe education is a vision, mission and a passion. The field of education thus needs visionaries, missionaries and people with zest and zeal. When it comes to Indian educational scenario, a country with human capital as the greatest strength finds, at the same time, its enormously growing population as one of the hurdles in its path to greater heights. Benjamin Distraeli states, ‘in the education of the people of this country, the fate of this country depends’. Provided the population becomes equipped with quality skills and education, the country will have a strong edge over the other nations in the emerging world. Specifically for India, its future lies in how the young generations bring forth favorable changes in all the realms of political, economic, social, spiritual so on and so forth. As the education moulds the generations, so will be the future of the society. To conclude, G.K Chestertson rightly said, “Education is simply the soul of a society as it passes from one generation to another”.