Benefits of Group Health Insurance

Title:Benefits of Group Health InsuranceWord Count:536Summary:Group Health Insurance is an insurance scheme provided by the insurance companies for agroup of persons, such as the employees of an organization at a reduced individual rate.Keywords:insurance, personal financeArticle Body:Group Health Insurance is an insurance scheme provided by the insurance companies for agroup of persons, such as the employees of an organization at a reduced individual rate. Most ofthe companies provide group health insurance schemes for their employees, which helps theemployees to receive health treatments without any cost they need to pay. Group healthinsurance ensures the employees of an organization to receive medical treatment quickly so thatthey can avoid waiting long time in queues and other sufferings.Group health insurance offers lots of advantages to both the employer and the employees. Asfar as an employer is concerned, the group health insurance scheme will provide enoughmedical treatment quickly for the staff of his company and thereby ensures speedy recoveryfrom diseases and keeping disruption owing to illness in the office to some extend. Theemployee can also provide more focus on his/her job as there is no need to worry thinking aboutthe time they want to wait for the treatment on the NHS, or suffering undue pain, or for a

diagnosis.Group health insurance plan offers several valuable benefits for an employee. The main抰advantage of becoming a member of the group health insurance scheme is that the insureddoesn have to pay large premiums for taking a private health insurance plan. The employeecan work without being worried of their health as he/she will surely get quality medical helpimmediately if needed.There are several health insurance companies offering group health insurance schemes. Most of慼the health insurance companies, as part of their Group Health Insurance Plan, provide theinsured (the employees of the company) to take a ealth check?once in every year at anyprivate hospital with which the company has tie-up. The health checks will cover a completecheck up, which include height, levels of fitness, weight, blood tests, blood pressure. The healthchecks are done so as to check whether the insured employee is in a good health or to find out aso far undiagnosed condition. What ever be the purpose, the health check is considered to bebeneficial for the employee and the employer.For those individuals who are not a member of the group health insurance scheme has to payabout $150 upwards to perform a complete health check. Hence this is considered as an addedadvantage for those who are in the group health insurance scheme. Group health insurance alsohelps to boost the morale of the staffs as they will know that their employer is providing specialcare about his employees.Group health insurance schemes will differ from one insurance provider to another. Theinsurance coverage will also change according to the schemes you select. But there are certainfactors which all the group health insurance schemes will cover for:- In-patient and day-patient treatment- Out patient treatments such as physiotherapy- Free Help lines such as a GP Helpline and Stress Counseling Helpline.抯- Specialist consultations after getting a referral from the employee GPGroup health insurance policy differs from one insurance company to another. It is alwaysadvisable to compare different insurance companies before selecting a group insurance policy.Select the one which suits your company.Title:Health Club Owners: 4 Ways The Personal Training Department Can Improve Your BottomLineWord Count:779Summary:A well designed personal training department should be the \"engine\" of any health club. Notonly should your personal training department be a profit center, but is should also promotemember retention, drive referrals and lower the barrier of entry for new prospects.

Keywords:health clubs, personal training, personal training departmentArticle Body:Copyright 2006 The Fitness Consulting GroupIn most health clubs the personal training department is viewed as a source of some additionalcash flow and is focused on the affluent component of the clubs member base. Typically抯trainers will offer an assessment to new members and will only impact the club bottom lineby selling packages to those members who can afford one, two or even three sessions per weektraining. Unfortunately, this is very shortsighted. A well-structured personal trainingdepartment can be much more than a profit center impacting only a small segment of your club抯 抯member base, it can be your club customer service center, referral and retention center抯and a source of as much as 25% of your club gross revenues all rolled up intro one. Youjust have to look for ways to maximize your trainers?impact in your club. Here are four tips toget you started.1. Generate Higher Usage Rates Among Club Members.抮If you e maximizing the role your personal trainers play in your club, invariably your usagerates will climb. By offering a complimentary personal training and program design session toall new members you will ensure that everyone that joins your club will feel more comfortable揼and have an initial ame plan?to get the results their looking for. When they feel抮comfortable in your club and feel they e on the path to their desired results, regular attendance抯is a foregone conclusion. And that going to result in:旾ncreased likelihood of them remaining a member of your club longer.旾ncreased likelihood of them referring new members to your club.旾ncrease the lifetime value of that member via peripheral purchases like cooler drinks,nutritional supplements, tanning sessions, fitness apparel and services like personal training andweight management coaching.2. Improve Club Member Retention Rates.In this market where there are new health club franchises popping up almost every other month,and new clubs opening at a break-neck pace, holding on to the members you already have hasto be your first objective.抯It much easier (and also much cheaper) to retain a current member than it is to gain anentirely new member.抣You l have a much better retention rate if your members:旻eel a sense of community in your club, which can begin with the personal trainers.

旳re consistently using your club. We discussed this in tip number one. If they are utilizingthe services of a personal trainer or at least using the initial plan laid out during theircomplimentary session, their attendance will dramatically improve.旳re getting the results that lead them to join your club in the first place.3. Improve the Rate of New Referrals From Your Members.If your members are getting all the things listed above, they are going to willingly provide morereferrals to your club. And if your trainers are working with them on a one-on-one or smallgroup basis, they are going to experience great results.Your trainers can also systematically facilitate referrals by inviting clients to bring a friend,family member or co-worker to a session. This will allow the guest to experience the club as a抮member would rather than on a tour or by wandering around on their own during a trailmembership. The guest will feel comfortable because they e with a friend and in turn be farmore likely to join you club.4. More Clients = More Money.If you want to reap the benefits listed previously, you need to have a higher personal trainingpenetration rate among your members. In most health clubs the penetration rate is 2-4%.2-4% of members utilize a personal trainer, therefore only 2-4% of those members are搑maximizing their results, being coached to make peripheral purchases and are great eferralchampions.抰If you don already, begin offering one and two session per month personal training programsto members where the clients will receive monthly program design, body composition testingand goal setting. Consider offering small group personal training to bring the price pointdown and make it a viable option to more members. By implementing just these twostrategies you should be able to push your penetration rates above 10% and start takingadvantage of the benefits associated with a well-managed personal training department.抯Obviously, this is not a comprehensive list of the numerous ways you can use your personaltraining department to improve your club membership and your profits, only a starting point.Take these tips, modify them to fit your club and add you own ideas to them. Before you抣 揷know it, you l be viewing your personal training department as ontrol central?in yourhealth club.Title:Seven Steps For Keeping Teeth Healthy For A LifetimeWord Count:336

Summary:A smile can last a lifetime--if you take care of it. For that reason, it's important for parents toinstill good oral health habits in children as early as possible.Keywords:Seven Steps For Keeping Teeth Healthy For A LifetimeArticle Body:A smile can last a lifetime-if you take care of it. For that reason, it's important for parents toinstill good oral health habits in children as early as possible.According to U.S. Surgeon General Richard H. Carmona's \"National Call to Action to PromoteOral Health\" report, children lose more than 51 million school hours and adults lose more than164 million work hours each year due to dental disease or dental visits. The nation's total billfor dental services was estimated to be more than $70.1 billion in 2002.\"Oral health disease is making disturbing inroads into communities across the country,\" Dr.Marsha Butler, Colgate-Palmolive's Vice President, Global Oral Health and ProfessionalRelations, explains. \"For children between the ages of 5 and 17 here in the U.S., tooth decay ismore common than asthma, more common than hay fever, and it poses a significant threat toour children's overall health and well-being.\"Recently, during the celebration of National Children's Dental Health Month, Colgate and Dr.Carmona unveiled \"The U.S. Surgeon General's Seven Steps to a Bright Smile,\" tips that weredeveloped, with a grant from Colgate-Palmolive, to help keep teeth and gums strong andhealthy:1. Brush teeth and gums with fluoride toothpaste at least twice a day, especially after eatingbreakfast and before bedtime.2. Visit the dentist regularly.3. Floss your teeth daily.4. Use fluoride rinse for strong, healthy teeth and gums.5. Limit the number of times you eat snacks each day-and remember to practice healthy eatingand get plenty of calcium.6. Wear a mouthguard when playing sports.7. Ask your dental professional about dental sealants.Through its Bright Smiles, Bright Futures program, Colgate has reached more than 50 millionchildren with free dental screenings, treatment referrals and oral health education. The companyis more than halfway to meeting a public commitment it made to reach 100 million childrenwith these services by the year 2010. Bright Smiles, Bright Futures empowers children to takecontrol of their oral health and helps to generate greater awareness about the importance ofmaintaining good dental hygiene.