Health insurance is a type of insurance that covers the whole or a part of the risk of a person incurring medical expenses. As with other types of insurance is risk among many individuals. By estimating the overall risk of health risk and health system expenses over the risk pool, an insurer can develop a routine finance structure, such as a monthly premium or payroll tax, to provide the money to pay for the health care benefits specified in the insurance agreement.[1] The benefit is administered by a central organization, such as a government agency, private business, or not-for-profit entity.
According to the Health Insurance Association of America, health insurance is defined as "coverage that provides for the payments of benefits as a result of sickness or injury. It includes insurance for losses from accident, medical expense, disability, or accidental death and dismemberment"
Australia Edit
Main article: Health care in Australia
The Australian public health system is called Medicare, which provides free universal access to hospital treatment and subsidised out-of-hospital medical treatment. It is funded by a 2% tax levy on all taxpayers, an extra 1% levy on high income earners, as well as general revenue.
The private health system is funded by a number of private health insurance organizations. The largest of these is Medibank Private Limited, which was, until 2014, a government-owned entity, when it was privatized and listed on the Australian Stock Exchange.
Australian health funds can be either 'for profit' including Bupa and nib; 'mutual' including Australian Unity; or 'non-profit' including GMHBA, HCF and the HBF Health Insurance. Some, such as Police Health, have membership restricted to particular groups, but the majority have open membership. Membership to most health funds is now also available through comparison websites. These comparison sites operate on a commission-basis by agreement with their participating health funds. The Private Health Insurance Ombudsman also operates a free website that allows consumers to search for and compare private health insurers' products, which includes information on price and level of cover.[14]
Most aspects of private health insurance in Australia are regulated by the Private Health Insurance Act 2007. Complaints and reporting of the private health industry is carried out by an independent government agency, the Private Health Insurance Ombudsman. The ombudsman publishes an annual report that outlines the number and nature of complaints per health fund compared to their market share [15]
The private health system in Australia operates on a "community rating" basis, whereby premiums do not vary solely because of a person's previous medical history, current state of health, or (generally speaking) their age (but see Lifetime Health Cover below). Balancing this are waiting periods, in particular for pre-existing conditions (usually referred to within the industry as PEA, which stands for "pre-existing ailment"). Funds are entitled to impose a waiting period of up to 12 months on benefits for any medical condition the signs and symptoms of which existed during the six months ending on the day the person first took out insurance. They are also entitled to impose a 12-month waiting period for benefits for treatment relating to an obstetric condition, and a 2-month waiting period for all other benefits when a person first takes out private insurance. Funds have the discretion to reduce or remove such waiting periods in individual cases. They are also free not to impose them to begin with, but this would place such a fund at risk of "adverse selection", attracting a disproportionate number of members from other funds, or from the pool of intending members who might otherwise have joined other funds. It would also attract people with existing medical conditions, who might not otherwise have taken out insurance at all because of the denial of benefits for 12 months due to the PEA Rule. The benefits paid out for these conditions would create pressure on premiums for all the fund's members, causing some to drop their membership, which would lead to further rises in premiums, and a vicious cycle of higher premiums-leaving members would ensue.[citation needed]
The Australian government has introduced a number of incentives to encourage adults to take out private hospital insurance. These include:
Lifetime Health Cover: If a person has not taken out private hospital cover by 1 July after their 31st birthday, then when (and if) they do so after this time, their premiums must include a loading of 2% per annum for each year they were without hospital cover. Thus, a person taking out private cover for the first time at age 40 will pay a 20 percent loading. The loading is removed after 10 years of continuous hospital cover. The loading applies only to premiums for
Diskdigger : How to recover Deleted photo App From Your Device.
How To Recover Deleted Photo App From Your Device.
DiskDigger can undelete and Recover Deleted Photo App lost photos and images from your memory card or internal memory. No rooting necessary!* Whether you accidentally deleted a photo, or even reformatted your memory card, DiskDigger’s powerful data recovery features can find your lost pictures and let you restore them.
DiskDigger for Android
DiskDigger is a free data recovery tool. There is a desktop and mobile version of this Android application. The mobile one enables smartphone and tablet users to take out files from their device memory.
Where to download mobile version of DiskDigger
It won’t take you much effort to find DiskDigger for Android if you type “DiskDigger” in the Google Play Store search line.
The official page doesn’t provide .apk files, and URL is likely to lead you to Google Play again. Use the link below to download the app with minimum effort.
DiskDigger can run on most Android devices, be it a tablet or a smartphone in working condition with OS Android 2.2 (Froyo) an above, up to Android Oreo.
Why do you need root privileges to use DiskDigger
Just as many other data recovery tools, initially Diskdigger app doesn’t require your device to be rooted. In fact, if the files were deleted from an SD Card, you don’t need root access indeed.
At the same time, rooting is highly recommended as it enables DiskDigger to find more deleted files in the device internal storage.
Comparing DiskDigger Free and Pro versions
DiskDigger Free:
recovers only photo and video files, the most frequently deleted file types;
rooting your Android device is required for video recovery;
entirely free.
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DiskDigger Pro:
recovers all types of data;
transfers restored data securely over FTP;
requires root access to restore any file types but photos;
price is $14.99.
Algorithm of DiskDigger mobile version work
As you open DiskDigger app, you see a request to get superuser permissions. Click “Allow” to permit for DiskDigger to access your device filesystem.
Diskdigger app offers two variants to search for deleted data:
basic (doesn’t depend on whether your Android is rooted or not; so you can
recover deleted files on Android without root);
full (photo / video recovery available on rooted device only).
Undelete and recover your lost or deleted photos with DiskDigger!
DiskDigger can undelete and recover lost photos and images from your memory card or internal memory. No rooting necessary!* Whether you accidentally deleted a photo, or even reformatted your memory card, DiskDigger's powerful data recovery features can find your lost pictures and let you restore them.
You can upload your recovered files directly to Google Drive, Dropbox, or send them via email. The app also allows you to save the files to a different local folder on your device.
* If your device is not rooted, the app will perform a "limited" scan for your deleted photos by searching your cache and thumbnails.
* If your device is rooted, the app will search all of your device's memory for any trace of photos, as well as videos!
* After the scan is complete, tap the "Clean up" button to permanently delete any items that you no longer need (currently an experimental feature, available only in the Basic Scan).
* You can also use the "Wipe free space" option to erase the remaining free space on your device, so that any deleted files can no longer be recoverable.
For complete instructions, please see http://diskdigger.org/android
If you need to recover more types of files besides photos and videos, try DiskDigger Pro!
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