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A contract between an insurance provider (e.g. an insurance company or a government) and an individual or his/her sponsor (that is an employer or a community organization). The contract can be renewable ( annually, monthly) or lifelong in the case of private insurance. It can also be mandatory for all citizens in the case of national plans. The type and amount of health care costs that will be covered by the health insurance provider are specified in writing, in a member contract or "Evidence of Coverage" booklet for private insurance, or in a national [health policy] for public insurance.
(US specific) In the U.S., there are two types of health insurance - tax payer-funded and private-funded.[3] An example of a private-funded insurance plan is an employer-sponsored self-funded ERISA plan. The company generally advertises that they have one of the big insurance companies. However, in an ERISA case, that insurance company "doesn't engage in the act of insurance", they just administer it. Therefore, ERISA plans are not subject to state laws. ERISA plans are governed by federal law under the jurisdiction of the US Department of Labor (USDOL). The specific benefits or coverage details are found in the Summary Plan Description (SPD). An appeal must go through the insurance company, then to the Employer's Plan Fiduciary. If still required, the Fiduciary's decision can be brought to the USDOL to review for ERISA compliance, and then file a lawsuit in federal court.
The individual insured person's obligations may take several forms:[citation needed]
Premium: The amount the policy-holder or their sponsor (e.g. an employer) pays to the health plan to purchase health coverage. (US specific) According to the healthcare law, a premium is calculated using 5 specific factors regarding the insured person. These factors are age, location, tobacco use, individual vs. family enrollment, and which plan category the insured chooses.[4] Under the Affordable Care Act, the government pays a tax credit to cover part of the premium for persons who purchase private insurance through the Insurance Marketplace.[5](TS 4:03)
Deductible: The amount that the insured must pay out-of-pocket before the health insurer pays its share. For example, policy-holders might have to pay a $7500 deductible per year, before any of their health care is covered by the health insurer. It may take several doctor's visits or prescription refills before the insured person reaches the deductible and the insurance company starts to pay for care. Furthermore, most policies do not apply co-pays for doctor's visits or prescriptions against your deductible.
Co-payment: The amount that the insured person must pay out of pocket before the health insurer pays for a particular visit or service. For example, an insured person might pay a $45 co-payment for a doctor's visit, or to obtain a prescription. A co-payment must be paid each time a particular service is obtained.
Coinsurance: Instead of, or in addition to, paying a fixed amount up front (a co-payment), the co-insurance is a percentage of the total cost that insured person may also pay. For example, the member might have to pay 20% of the cost of a surgery over and above a co-payment, while the insurance company pays the other 80%. If there is an upper limit on coinsurance, the policy-holder could end up owing very little, or a great deal, depending on the actual costs of the services they obtain.
Exclusions: Not all services are covered. Billed items like use-and-throw, taxes, etc. are excluded from admissible claim. The insured are generally expected to pay the full cost of non-covered services out of their own pockets.
Coverage limits: Some health insurance policies only pay for health care up to a certain dollar amount. The insured person may be expected to pay any charges in excess of the health plan's maximum payment for a specific service. In addition, some insurance company schemes have annual
Create hilarious lip sync videos with a single selfie.
WOMBO is the world’s best AI-powered lip sync app.
All you have to do is add a selfie, pick a song, and let WOMBO work its magic. The result? Videos that are hilarious, bizarre, fun, and ready to go viral. No singing lessons required.
You can find our privacy policy at https://www.wombo.ai/privacy
Virsion 1.3.6
Updated on 2 May 2021
Downloads 10,00,000 +
Offer by Wombo studio inc
We love this. It's a fun app and my friends were delighted when I surprise them with their pictures singing. It needs more Female songs as majority of the songs are for males at this time. Please add more women singers. There are times the app closes suddenly so probably there's issues or bugs need fixed. Also If you guys can modify or add to the app that the pictures we select be in the memory so we don't have to upload and crop pictures every time. Thanks more power to the developers.
The app is fun and the results are amazing. If it were consistent I'd give it a 5-star review. The processing times are awfully long, which wouldn't be much of a problem if you got the results at the end. But, besides the long waits, it feels like a lottery as it has a high rate of failed attempts right now. I'm guessing it's a server problem and I would really recommend you get a better one as this app has a real potential to become viral. The only reason I didn't go premium is because I don't feel confident I'll be able to use the app as frequently as I would want, considering the current situation.
Make your selfie sing
Believe it or not, it only requires you to take or upload a selfie to lip-sync the music you want. Afterward, Wombo will magically return an animated video wherein you are seen singing the song you picked. You will be stunned as to how it manages to vivify the eyes, mouth, and body that emulates human movements. Although, this actually comes at a cost of long processing time.
Once satisfied with the outcome, you can save it into your gallery to share it on various social media platforms. There is an option available for you to directly send it from the app to your friend. If you have privacy concerns with the data it collects, this app guarantees that the photos you use are not saved on the server
To use its service, it will require you to provide some personally identifiable data including but not limited to facial feature details. Information about the way you spend time on the app will be gathered, as well. However, it ensures that its purpose is exclusively to understand the user's manner toward the tool so, the developer can effectively improve the app experience.
Unique and fun
Wombo is a newfangled entertainment tool to make fun and amusing animated videos that will help you go viral. By simply taking or uploading your selfie, the app will automatically generate a video of you lip-syncing to the music you like. Although you have to be patient enough to endure its long processing time, the lengthy waiting duration will surely be worth it.
COVID-19 is perhaps the greatest public health challenge we face today. Any health insurance policy that does not address this health risk is incomplete. A comprehensive health insurance for Coronavirus must cover not just hospitalisation and medicine expenses but also expenses incurred on pre-post hospitalization just like our health insurance plan does. Buying the best health insurance plan in India should be on top of your priority list as securing yourself from any medical emergencies is the need of the hour. Health insurance plans not only equips you to tackle unexpected medical expenses, but it also helps you save tax up to Rs.1 lac** as per section 80 D of the Income Tax Act, 1961. Now, don't let your health take a back seat and get yourself insured.
To beat ever-increasing medical inflation and offer quality healthcare, here's my:health Koti Suraksha - a health insurance plan that offers a sum insured of up to ₹1 crore. This significant health cover insures you against various medical expenses like hospitalisation costs, critical illness treatments, costs for major surgeries, daycare procedures, and so much more. With my:health Koti Suraksha policy backing you up, stay rest assured that while you take care of your health, we’ll take care of your high healthcare costs. Thus, preparing you to tackle a medical emergency without impacting your life-long savings.
Your health has always been our top priority! We at HDFC ERGO take privilege to launch our new health insurance plan , my:health Suraksha, which aims at giving you a 360 degree protection against soaring medical expenses. Designed with a robust thought and a strong base coverage, my:health Suraksha is a delight for individual, families and senior citizens looking for the right health cover ranging from 3 lacs to 5 lacs.
What is covered in a health insurance policy?
Sum Insured rebound
This acts like a magical back-up, which recharges your exhausted health cover to treat the next hospitalization of a new illness or injury.
Cumulative Bonus
We reward you with additional sum insured when you do not make claim in a policy year by increasing your sum insured.
No Medical Test Upto 45 Years
If you are young, hale and hearty then get yourself a health insurance plan by HDFC ERGO without any medical check-ups.
Cashless Home Health care**
If your Doctor recommends you can get yourself treated at home and avail cashless medical facilities then this feature would be of utmost help.
Hospitalization expenses
Just like every other health insurance plan, we cover you for your medical hospitalization due to illnesses and injuries seamlessly.
Pre & Post Hospitalisation
It means all your pre-hospitalization expenses upto 60 days of admission and post-discharge expenses till 180 days get covered, like the costs for diagnostics, investigation etc.
Daycare procedures
Medical advancements help in wrapping up important surgeries and treatments in less than 24 hours, and guess what? We cover you for that as well.
AYUSH Benefits
Let your belief in alternate therapies like Ayurveda, Unaani, Siddha and Homeopathy stay intact as we cover hospitalization expenses for AYUSH treatment as well.
Organ Donor Expenses
Organ donation is a noble cause and we cover the medical and surgical expenses of the organ donor when harvesting a major organ transplant
Recovery benefit
If you stay in a hospital for more than 10 days at a stretch then we pay for other financial losses that might have happened due to your absence at home. It helps to take care of other expenses during your hospitalization. (Amount specified in the policy wording)
Mental healthcare
We believe mental healthcare is just as important as hospitalization due to physical illness or injury; hence we cover hospitalization expenses incurred for treating mental illnesses.
Free Renewal Health Check-up
Get a free health check-up within 60 days after policy renewal done by HDFC ERGO at the time of renewing your policy with us.
Save Tax upto ₹ 75,000*
Did you know that a health insurance plan is not just meant to safeguard your savings but also help you save tax? Yes, you can save upto ₹ 75,000 with HDFC ERGO Health Insurance plans.
Lifetime Renewability
Once you get yourself secured with our health insurance plan there’s no looking back, this health insurance plan continues for your entire lifetime on break free renewals, you don’t have to exit from it.
No entry age restriction
If you are 18 years old and above you can buy our health insurance plan without any hesitation. We secure people of all age groups.
The above mentioned coverage may no be available in some of our Health plans. Please read the policy wordings, brochure and prospectus to know more about our health insurance plans.
What’s not included?
Adventure sport injuries
Adventure sports can give you an adrenaline rush,but when coupled with accidents, they can be hazardous. Our policy does not cover accidents encountered while participating in adventure sports.
Self-inflicted injuries
You might think of causing injury to your precious self,but we don’t want you to hurt yourself. Our policy does not cover self-imposed injuries.
War
War can be disastrous and unfortunate. However,our policy does not cover any claim that are caused due to wars.
Participation in defense operations
Our policy does not cover accidents while you are participating in defense (Army/Navy/Air Force) operations.
Venereal or sexually transmitted diseases
We do understand the criticality of your disease. However,our policy does not cover venereal or sexually transmitted diseases.
Treatment of obesity or cosmetic surgery
Treatment of obesity or cosmetic surgery is not eligible for coverage under your insurance policy.
For detailed inclusion and exclusion.
