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Friday, May 28, 2010

Chest Tattoos

Much like back tattoos, its relatively common to see tattoos on the chest as well, some of which are small tattoo designs but more commonly you will see a large piece of tattoo artwork or numerous collaborated tattoo designs on a chest.

Checkout these celebrities with tattoos on their chest, Robbie Williams has the phrase "chacun à son goût", Ozzy Osbourne has a dragon and a skull on his chest, Lenny Kravitz also has a rather large dragon and Dennis Rodman has two bulls and some tribal tattoos on his chest.

See these pictures of chest tattoos below.


Some other famous people with chest tattoos include, Pete Doherty with "Baby ---" on his chest, Marc Anthony has small cowboy design, Eve has two well placed paw prints, and Tommy Lee has two large tribal lion tattoos on his chest.



Both NBA superstars Carmelo Anthony and LeBron James have several tattoos on their chest, Joan Jett has a unique Y shaped tattoo on her chest and Billie Joe Armstrong has a car, skull and other tattoos on his chest.


I hope you enjoy these great pictures of famous people who have chest tattoos.

Wednesday, May 26, 2010

What is the need for medical health insurance plans

These plans are necessary for people from all walks of life. In majority of the cases, it is known to all of us that, medical care is expensive and the costs related to medical care, hospitalization, medicine is growing upwards day-by-day. In this regard, the graph is in ascending order. Thus, the health insurance plan will certainly assist the concerned person financially. In third world countries and many other developing nations, Health Insurance plans helps the people, specially the poor and lower middle class people in a great extend and can act as a succor at the time when disease struck the family or any one of the members of the family. No one wants to fall ill. But, who knows what will happen to us.

Therefore, health insurance plan for everyone has emerged as the need of the hour. By this, one can protect himself from any sort of illness and related surgery, hospitalization, cost of medicine, etc. On the other hand, if you obtained a health insurance policy, then in case of medical expenses, a third-party, namely, the insurance company, or the employer, will pay for the said costs, if such provision exists. This can certainly relieves the amount of pain, anxiety and financial burden of the concerned person. Therefore, the necessity of the health insurance arises. As already described, who will pay your bills if you have a serious accident or suffering from a major illness Remember, we have to buy health insurance for the same reason for what we buy other kinds of insurance, i.e., to protect ourselves financially at the odd time. With health insurance, we protect ourselves including the family. As it is difficult to predict about the load of the medical bills, therefore, let the health insurance policy and the related Company thinks about it. In a good year, our costs may be low. But incase of illness, at certain amount of time, the higher medical bills can come across in front of us as a boomerang and then this will be covered by a third-party payer, not by us provided we opt for a health insurance.

What is an indemnity medical health insurance

The common form of health insurance is called as the indemnity insurance policy, which is also known as fee-for-service, in which the insurer pays for the cost of covered health care services after they have been provided with the bills and money receipts. In most indemnity insurance plans, the patient is free to choose his own doctor or hospital. However, some diseases are not covered by such plans. The person opting for insurance has to check it out before hand. Moreover, there is a certain time limit, for example, Mr. X has paid his first premium on the first day of the current calendar year. If he fall sick, say within fifteen days time of the first premium paid, then he may not get the coverage. The Insurance Companies thus goes for a thorough medical check-up of the person prior to issuing the health insurance policy to someone. Therefore, prior to opting for a health insurance, one must see all the rules and regulations attached to it, which may vary from companies to companies. What you have to do at the first hand is, read the concerned health insurance policy in details. Ask any queries which might disturb you to the representative of the concerned Insurance Company. You have to make your self sure that, you understand precisely what your policy does and does not cover. Thereafter, there is very little chance of coming across with unpleasant surprises at a later stage. Here is a checklist of some aspects, which are to be surely clarified prior to taking out a policy. The check list includes: i) whether the said policy cover only the treatment including operations ii) Is there any restrictions Because, many available policies in the market will often exclude different factors such as: treatment for alcohol and drug abuse; dental treatment/ surgery; HIV/AIDS-related illnesses; infertility treatment; normal pregnancy; cosmetic surgery to solely enhance appearance, etc. This list is not exhaustive and you should ask the insurer for details about your particular policy, iii) what is the coverage period , iv) what is the mode of payment of premium, renewal of policy, v) no claim bonus in case you renew the policy later, etc., and so on and so forth.

In todays competitive world, there are various types of health insurance, and more choices, than ever before. The Insurance Companies are competing with each other and every one of them has to survive. Therefore, many flexi plans are available for the people. You may be the first timer to buy a health insurance plan, or you may already have opted for a certain health insurance plan but want to consider changing plans. You may be a single person or a married one. You may want to cover both yourself and your wife, you may have children or without any issues, having old dependent parents; all this will be covered and answered by different plans available in the market. Help line numbers of the Companies or the Insurance agent will provide you assistance regarding how to choose a health insurance plan and which best meets the needs of you and that too as per your budget.

Moreover, the medical insurance document requires so many declarations from your end. You must declare everything on the application form, even if you think it is boring and unimportant on your part. Take some pain and fill-in-up all the information sought in the application form or any other form supplied by the Insurance Company. There should not be doubt in mind that, you are giving all true and accurate information as it forms the basis of the contract you make. If certain information is inaccurate or has been left out, or has been found incorrect later on, the insurer might refuse to pay your claim. In addition to this vital information, some other important aspects are as follows: the health insurance policies generally only cover you for disorders which have not affected you in the past. There are so many conditions attached to it. Any of your suffering, which is going on or has suffered from in the past, is known as pre-existing conditions. Most of the individual policies including some group policies generally not cover pre-existing conditions. Provisions are there that, some policies cover a pre-existing condition but only after a specific period of time has lapsed since your last treatment or visit to a doctor for the same condition. In this regard, the Insurance provision will allow you for a waiting period. For example, you might have a waiting period of between six months and two years before coverage begins. Therefore, make it doubly sure that, you checked your policy carefully to make sure if you can be denied coverage for a pre-existing condition.

Now, let us have a discussion about another important aspect, i.e. how to claim for a health care insurance. The health Insurance companies have to deal with thousands of claims every day. All the claims needs to be processed as per framed guidelines of the Company and subsequently passed for payment or to be denied, if does not meet the terms of the provision. Since, majority of the claims job is related with paper work, spot verification, etc. therefore often, it may take some time to release the fund. It is a very tedious job. Everyone seeks that; their claim should be cleared within a short span of time. Many smart companies give smart services to its customers. But, many other Companies, especially in country like India; some Companies are Govt. owned Corporations, which takes unnecessary time to settle claims. Whenever you want to make a claim, it is advisable to contact the insurer before you actually receive treatment, or going for hospitalization, if possible. Subsequently, the insurer can confirm the specifics of your cover and can also check that the treatment is within any relevant limits. Then, the company would provide you with the related information like whether you have to make payments first and then be reimbursed or whether the insurance company can make arrangements to pay directly to the Hospital against your bill. On your part, it is very vital that, paper work should be in order and complete in all forms after submitting the claim. Under any circumstances, you are not supposed to claim falsely. Otherwise, if you caught in such a situation, companies may file legal action against you. Dont forget to keep a full set of Xerox copies of all relevant papers with you.

Now, very particularly a question will come to our mind. This irksome question is, what kind of action can we take in case; the insurance company rejects a claim, which we feel as a valid claim In such a situation, if the company refuses the claim, the most advisable part is to insist for a reply in writing from the companys end. Moreover, re-submission of claim can be another solution. Many other matters of concerns can be settled across the table through discussions. For this, we have to ensure that, our problem has been told in clear language. In such cases, citing of Policy number, submission of all medical records such as test reports, prescriptions, cash memos of medicines, doctors records/advise, discharge certificate, etc. must be submitted. Moreover, copies of all earlier correspondences must also to be kept. But, if it is an injustice, dont hesitate to get the best service even with the help of Insurance regulatory Board and law of the land and also to protect our rights.

In the developed countries, both form of Health Insurances, i.e., private health insurance and public health insurance is present among masses. But, in a developing country like India, the private health insurance is more common among people rather than the public health insurance schemes. Many of the public health insurance schemes are very good on papers, but in reality, it is not reaching to the poor. In this regard, another answer can be the Community based health insurance (CBHI) programmes. This type of programme in rural or semi urban areas in India is an alternative arrangement to provide health insurance to the poor, i.e., low-income groups. In India, the Prime Minister has launched an universal health insurance scheme which is similar to CBHI as mentioned above, which can take care of the poor and downtrodden in the society provided it runs as per its policies and goals and reaching rightly to the target group. Moreover, the development of private health insurance can bring potential risks and benefits in terms of health care access for the clients including poor. Moreover, even the private health insurance market lacks development due to the want of regulatory decisions on the supply of health services and the demand for health insurance.

In country like India, the insurance business is still a monopoly of the private Insurance Companies. In fact, for all practical purposes, the only medical insurance policy available for the people in India is the Medi-claim policy. This policy is available through the subsidiaries of the General Insurance Corporation (GIC) of India. Moreover, in India, the government has some schemes meant for its employees such as the ESIS (Employee State Insurance Scheme) and the CGHS (Central Government Health Scheme), etc. After the economic liberalization in India, many foreign Insurance companies entered in to Indian market. They also cover the health insurance sector under its various schemes. In India, now-a-days, many employers provide medical insurance as a standard perquisite to many of their employees, through the group insurance schemes, where the premium is less than a personal insurance policy. The premium is either paid by the Employer or deducted from the medical benefits enjoyed by the employee. In many cases, the employer pays a part of the cost. Not all employers, however, offer health insurance to its employees. Therefore, it is a fact that, in India, health care is still lagging specially with regard to poor and lower middle calls category.

Therefore, once again it is a repetition that, the insurance business in India is still a monopoly. The question arises to the common man is, whom to insure, only to himself or some or all the members of the family; and how much amount to insure for each one of them. Obviously, this is a very confusing situation. This situation is not the same in countries like USA. In USA, there are a wide variety of medical insurance schemes available for the citizens. A person can choose a policy from the health maintenance organization (HMO) or from preferred provider organizations (PPO). But, this brings confusion to all most all the policy buyers. Therefore, one has to be very careful at the time of buying a policy. It is a very simple matter that, once money has been spent for treatment, it should be realized through the Insurance policy. But, the insurance company will be more happy in case of low reimbursements from their part and receiving higher premiums from your end, you have to be very careful to choose the right policy and therefore to take guidance from all Help Lines and also from the Professional Agents. Health to all is still a distant dream in developing countries like India. By opting for health insurance policies, you can protect yourself and your family members from odd situation of life arising out of illnesses, etc.

Medical health insurance

Life is precious. We dont know what will happen to us in near future and we are also unaware about what type of problem may disturb us at what point of time Remember, distress and calamities will not come to us with prior intimation. There is no alert message or danger alarm in this regard. Therefore, we have to act as a pro-active person and therefore, as a matter of fact the only answer to it is buying an insurance policy. Today, in this article we will not peep into medical health insurance as a whole, but we will see only a segment of it, i.e., Health insurance.

Health insurance is nothing but a plan, for which you have to pay previously in the form of a premium. This will provide medical services or medical indemnities for medical health insurance care, which are in need at the time of illness or disability. For this, a voluntary plan has to be opted. This voluntary plan may be commercial or non-profit subject to the nature of the plan. There are various options available such as individual plan as well group insurance plans. A person can act as the main prosper and may include his family members and near and dear ones. In case of compulsory group health insurance plans, these are usually related to social security plans.

Now, lets see into historical aspect of medical health insurance. Most probably, for the first time during the period 1883-84, a compulsory accident and sickness insurance plan was introduced in Germany at the initiative of Otto von Bismarck. Later on, many countries find it very suitable and effective. Thereby, countries like Great Britain, the erstwhile Soviet Union, France, etc. adopted this unique system of health insurance plan after the First World War. In Great Britain, the Government declared the National Health Insurance Act in the year 1946, which came into effect with most comprehensive compulsory medical care plan. Under this plan, individuals were allowed to obtain free medical attention from any doctor, who is a participating member in the National Health Service. Later on, on the basis of this plan, many countries including Europe and Asia designed and adopted several kinds of health insurance plans. The United States is the only nation without some form of comprehensive national health insurance.

Tuesday, May 25, 2010

Back Tattoos

The back is an excellent location to get a tattoo, and seeing how it's the largest piece of real estate on the human body, many people choose to get very extensive tattoos on the back.

Many celebrities have tattoo designs on their back, checkout LeBron James who has the phrase "Chosen 1" on his back, rock star Tommy Lee has a tremendous amount of tribal artwork on his back, Jesse James has a 100 dollar bill with flames and David Beckham has several tattoos on his back including a crucifixion scene with the names of his 3 sons.

Checkout some pictures of back tattoos.


Nicole Richie has a cute pair of angel wings tattooed on her back, Megan Fox has a short poem that reads "We will all laugh at the gilded butterflies" on her back, Victoria Beckham has a quote from the Song of Solomon 6:3 "I am my love’s and my love is mine, who browses among the lilies." and rapper 50 Cent has "South Side" and a giant number 50 tattooed on his back.



Other famous people with back tattoos include, Ja Rule with crosses and angel wings, Davey Havok has large angel wings which covers his entire back, Josh Hartnett has a Celtic knot, Brandon Boyd has a pyramid with eye and wings tattooed on his back, basketball player Tim Duncan has a jester tattoo design, NBA player Carlos Boozer has a large archangel on his back, Chester Bennington has two dragons and the name of his band, and David Blaine has the "Christ of Saint John of the Cross" artwork tattooed on his back.

Monday, May 24, 2010

Fashion Models With Tattoos

Tattoos have officially taken the world by storm with countless famous celebrities now sporting them, including actors and actresses, singers and musicians and sports stars of all kind.

And it now seems that tattoos have found their way into the modeling industry where some of the worlds most beautiful women have elaborate tattoo designs gracing their sleek bodies.

A few models who have been spotted with tattoos include, Ana Beatriz Barros who has a small heart with angel wings on her lower back, Kylie Bax has a name under her left breast, Selita Ebanks has a pair of angel wings on the back of her neck, and Naomi Campbell has been seen with a flowery armband tattoo.


There are numerous other beautiful fashion models who also have tattoos including, Elisabetta Canalis who has a handful of tattoos one of which is an armband of roses, Gisele Bündchen has a small star tattoo on her wrist and a crescent moon on her ankle, Alessandra Ambrosio a small cat resting on crescent moon located on her lower back, and Rachel Hunter has a circular tattoo on her back among other designs elsewhere.



Also checkout these tattoos on more lovely models: Nicky Hilton, Vida Guerra, Freja Beha, Summer Altice and the male model Tyson Beckford.

There are certainly many more models who have tattoos, so drop us a line and let us know about other models with tattoos.

Friday, May 21, 2010

Norah Jones Tattoo

Norah Jones is a sensational American singer-songwriter, pianist, keyboardist, guitarist and actress.

Norah Jones has a single visible tattoo design which is located on her lower back, however it is rather difficult to see clearly from this photo, perhaps its a sun or flower tattoo?
Norah Jones lower back tattoo.

Joan Jett Tattoos

Joan Jett is an American rock guitarist and singer-songwriter, known for her work with the Blackhearts and for hit songs such as I Love Rock 'n' Roll and Bad Reputation.

Joan Jett has numerous tattoos on her body, which includes an Ohm symbol on the back of her neck, plus an inverted triangle on her left upper arm, along with a tribal armband that resembles several intertwined ichthys.

The rock star has a few other tattoos including an artsy spiral design on her left forearm, a unique V design on her chest and an unknown tattoo design on her lower back.

Perhaps some other tattoos we haven't spotted...
Joan Jett bicep tattoo picture.
Joan Jett forearm tattoo photo.
Joan Jett neck tattoo.
Lower back tattoo design.


Shooter Jennings Tattoos

Shooter Jennings is an American singer-songwriter, known for his work in the country music and Southern rock genres. He is also the son of country singer Waylon Jennings.

Shooter Jennings has a handful of tattoos on his body, including the "Flying W" logo of Waylon Jennings, located on his abdomen.

He has a few tattoos on both arms, including a six shooter revolver on his inner left forearm and a bullet on his right hand.

Shooter Jennings has a few more tattoos on his arms, however we can't confirm the designs.
Shooter Jennings tattoo under navel.
Shooter Jennings forearm tattoo picture.
Shooter Jennings gun tattoo photo.

Thursday, May 20, 2010

Ankle Tattoos

The ankle is a very popular area of the body to have a tattoo for both men and women alike, the ankle is a very stylish place to have a tattoo while it is also very easy to conceal, if need be.

Not surprisingly, many famous people have tattoos on their ankles, including the likes of Megan Fox who has a delightful crescent moon and star on her ankle, Ashlee Simpson has a cute pair of cherries, Alyssa Milano has a rose vine and Nicole Richie has a beautiful rosary wrapped around her left ankle.

Checkout these pictures of ankle tattoos.


Here are a few other celebrity women with ankle tattoos: Rihanna has a small musical note, Kelly Clarkson has a nice sunflower tattoo, Penelope Cruz has the number 883 and Hilary Duff has a tiny little anchor tattoo on her ankle.



And don't forget to checkout these other celebrities who also have ankle tattoos.

Lovely actress Christina Applegate has a tattoo on her ankle, model Gisele Bündchen has a crescent moon and stars, Gillian Anderson has unique tribal turtles, Marc Anthony has a cross tattoo on his ankle, Diora Baird has an arrowhead, Ana Beatriz Barros has a crescent moon and star, Catherine Bell has a small heart design, Alyson Hannigan has tribal dolphins and Jennifer Love Hewitt has the phrase "I am..." tattooed on her ankle.