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A government-of-India-backed wellness insurance coverage scheme, which provides coverage against personal accident resulting in accidental disabilities or death on account of an accident is supplied for a period of one particular year and demands renewal annually. Workers usually decide on to apply for these positions that have very good overall health positive aspects in order to provide necessary wellness coverage for themselves, their spouse and/or their dependents. For those staff with young young children who have to go to the doctor frequently for those widespread childhood illnesses that get passed around at the daycares and schools (flu, colds, strep throat, and so on.), they might contemplate this sort of overall health benefit to not be loved ones-friendly. 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Sadly, it is estimated that 13 % of pregnant girls in the United States do not have any type of maternity insurance coverage. Other men and women have skilled the frustrating reality of paying their premiums for years only to find out when they or a covered household member turn into ill that the insurance provider will not cover the necessary remedies. Disadvantages: From the viewpoint of the employee, group insurance has one wonderful limitation- the short-term nature of the coverage. If you do not have overall health insurance and make much less then around $21,000 a year, and are among 18 and 64 years of age, you qualify for either no expense or extremely low expense therapy. 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