For many people planning any vacation, the idea to purchase medical insurance has gradually become more common place. Today, you can virtually buy medical insurance as part of any online or over the counter travel service. But let's say that you already have the insurance, is it really that easy to access? Well that really depends on your provider.
The bottom line on the insurance company's end is this: Based on a calculated probability of client injury or illness, they take a small amount from a bunch of gullible morons that leaves them laughing all the way to the bank while having to pay out a few clients a significantly smaller amount than the total income. All that money that they take from you is actually reinvested into high interest investment portfolios and increases in value. You get none of that despite the fact that you are technically the source of that investment. The insurance companies are essentially playing with the medical security you are paying for.
But even if these companies get to the point of having to pay you out, it's not as easy as simply calling them and telling them of your malaise. They have entire regulatory structures and investigative teams which make sure that they pay out only under certain circumstances. This seems understandable from a business perspective, but you can see where there is room for this to turn into a double edged sword. At the end of the day, even if you are in need of medical attention overseas, there is no guarantee your insurance will cover your fees.
So how can you, the smart traveler, avoid this uncertainty? LEVERAGE. The way to put these corporate fat cats in the hot seat is to make yourself a more powerful stakeholder in the insurance contract. When you get a life insurance plan with the same company they become liable not only to pay out if you need medical attention, but they become liable for potentially much much more if they don't get you the best medical attention and pay for it.
Case and point: I was infected with malaria in Vietnam. The western medical clinic I was in refused to give me treatment until my insurance came through and they were unreceptive. The bill for the hospital quickly climbed to over 3000$ and my insurance still did not come through. Then, my situation got much worse. I was in dire straits by that time as the malaria had penetrated into my liver and lungs.
Luckily, I had insured myself for a cool 500,000 dollars (all deliverable to my next-of-kin). As soon the insurance got word that my condition was bad enough to warrant a massive expenditure a private jet was sent to pick me up from Saigon. Some big head of the medical travel department from the Bangkok Diplomatic Hospital came to my rescue with a wad of 4000 US dollars in his hand. He gave it to the Saigon western clinic that was trying to extort me for money I didn't have and wheeled my half conscious feverish body onto an airfield in Saigon. He offered to take me to the best medical facilities of MY CHOICE in Asia (Bangkok or Singapore). At the end of it all my fees came to a total of 80,000$ including the 15,000 dollar flight and ten days of hospitalization in a penthouse of a hospital room. My total expenses on the year of premium medical insurance was 800 dollars. Get the point?
Wednesday, May 16, 2012
Saturday, May 5, 2012
You asked for it, and just like most greasy spoon pizza joints WE DELIVER! 5 weird drinks to celebrate Cinco de Mayo. These drinks are so bizarre that they make the weirdest choices on gastro-giants Delish.com, WeirdWorm.com, Skyscanner.net and last but certainly not least BarsAndNightClubs.com! If this is not enough bizarre boozy reading to put the mojo in your Mayo, read about our recent tequila follies!
Here is our rundown:
1. Taking the Number 5 Spot on SkyScanner.net 's 9 Weirdest Alcoholic Drinks list is a frightening Vietnamese Snake Wine! This creepy concoction is produced by infusing whole snakes in grain or rice alcohol. The fermentation process de-fangs the venom, so to speak, as it is no longer toxic. If this is not creepy enough, many bottles are topped off with scorpions. Double shot? We think not!
2. While not Number 1 on BarsAndNightlubs.com Top 5 Weirdest Alcoholic Drinks List, we agree with Jenna Boister when she calls Baby Mouse Wine the, "most gag-worthy," that she encountered while doing this somewhat reviling research. This bizarre beverage is considered to be a "Health Tonic" by some Koreans and Chinese. Baby mice are put inside the bottle and left to ferment in rice wine. This may be the drink of choice for Garfield to wash down his lasagna, but NO THANKS!
3. Topping that Spirits that Surprise chart at Delish.com we have Bakon Vodka! We have seen bacon chap stick, mayonnaise and nearly every other condiment combination imaginable in the wake of the Epic Meal Time's Epic Success! We have no doubt that this award winning vodka will impress Ceaser dinkers en mass, but don't expect to see this at your next Bar Mitzvah as it has real bacon! Its website proclaims: "Pure. Refreshing. Bacon," and all of the Bakon Vodka awards attest its success!
4. What goes with Beer? Pizza! Right.... well yes, usually. WeirdWorm.com leaves us slightly grossed out, yet slightly curious with their Number 1 spot on their 7 Weird Alcoholic Beverages List: Pizza Beer! This radically brewed ale was created by Tom Athena Seefurth in 2006 with the goal in mind to create the world's first "culinary beer." While no doubt much more delicious than having the piece of crust floating in our playoff pint, we need more research to determine if this beer is, as the its website proclaims, "...so good it deserves a wineglass!"
5. We want the weirdest drink that YOU have heard of! Newfoundland Screech? The mythical toe-shot from Alaska? Send us your entry in the comments section, or tweet us at @WhiskyandWings , we want to hear! Happy Cinco De Mayo