Interesting articles about insurance

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Dental Insurance is the safe way to go

What does Dental Insurance generally cover?

Dental insurance is something nobody can do without. Even though most people visit their dentist once or twice a year, certain procedures may be costly and that is where having dental insurance comes in handy. South African Health Insurance products usually include medical as well as dental cover.

Basic dental insurance generally covers the cost for two dental checkups per year. Straightforward procedures like cleaning and filling teeth are typically also covered by your dental insurance package.

Regular dental visits may prevent more costly procedures like root canal operations, crown filling and dental bridgework. Insurance companies are aware of the fact that periodic checkups may prevent more expensive treatments and therefore they include checkups in your dental insurance policy.

Group Dental Insurance

Some companies offer Group Dental Insurance to their employees as part of their employment package. The employees are provided with a list of dentists who are approved by and registered with the particular insurance company that provides the Group Dental Insurance. Employees may then visit the listed dentists when needed. In some instances, the family members of the employees are also included. With Group Dental Insurance, all administrative matters are handled by the employer.

Dental Insurance Limits

Dental Insurance plans commonly have specific limits regarding the level of cover. Higher dental plan levels pay higher premiums, but the limit of dental cost per annum is also higher. Medical Aid schemes provide the main member with options to include family members at a little additional cost.

Dental Insurance is an important issue and it would be wiser to purchase a decent Dental Insurance plan than doing without.

Safety Tips to keep your Child Safe

Accidents can happen anywhere in the home. Some safety hazards are obvious — others are not.

The following checklists should help you make your home a much safer place for children:

Safety Tips: Child’s Bedroom

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Keep your child’s bedroom hazard-free

 Safety belt for the changing table

 Any furniture made before 1978 were painted with poisonous lead based paint.

 Crib slats must be less than 6 centimeters apart

 The headboard and foot board should not have large cut-outs

 The mattress should be firm and flat and fit snugly in the crib

 A drop side on a crib is not advisable

 Remove soft pillows, large stuffed animals, bumper pads, and soft bedding

 Cut off loose strings from mobiles and crib toys

 Keep window blind and curtain cords well out of reach and away from cribs

 Secure dressers to a wall and drawers closed

 Lids on toy chests must have a lid support to keep them from slamming shut

 Place night-lights away from any fabric

 Let your child wear flame-retardant pajamas

 Fit a smoke alarm outside the bedroom

 Removed drawstrings from your child’s clothes

Safety Tips: Parent’s Bedroom

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Master bedroom: Lock all potentially dangerous items away.

 Keep medication, coins, scissors, and all sharp objects out of reach

 Secure blind and curtain cords out of reach

 Store firearms unloaded and un-cocked, in a locked safe out of reach of children. store ammunition separately. Keep keys where children can’t find it.

Safety Tips: Backyard and Pool Area

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Make sure your child is safe in the pool

 Walkways and outdoor stairways must be well lit

 Keep sidewalks and outdoor stairways clear of concrete cracks or broken tiles

 Garbage cans to be securely covered.

 Be sure swings are free from rust, splinters, and sharp edges and securely fastened

 Surface under the swing should be soft enough to absorb the shock of a fall

 Fit a climb-proof fencing at least 1.2 meters high around the pool, with a self-closing gate and childproof lock

 Keep ladders securely stored away

Safety Tips: Other possible hazards:

208 x 156 white arum lilies next to water pond

Only keep non-poisonous plants in your home and garden

 Remove all poisonous houseplants

 Keep a no-smoking rule in your home to protect kids from environmental tobacco smoke

 Always keep an eye on your child around pets

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Get to know basic Self Defense Techniques

10 Safety Tips all Women should be aware of

Do you want to know what to do when you feel frightened, intimidated or when approached by a potential attacker?

We live in an increasingly violent society. Personal safety has become an issue of importance for women.

Every woman should know this about personal safety:

1.    Awareness.

The first line of self-defense which begins some time before actual physical contact. Awareness of your surroundings and your potential attacker’s expected line of attack. A criminal wants to surprise you. Act and appear confident.

2.    Gut instinct.

Call it sixth sense. Your intuition is a powerful insight into situations. Learn to trust this power and use it.

3.    Self-defense training.

Before signing up: a) Avoid martial arts studios teaching watered-down techniques that are unrealistic in an attack; b) The program should include realistic simulated assaults.

4.    Escape.

Always your best option. You are more likely to sustain Injury by going with the   predator    than if you run. Run, yell, throw a rock through a window–get attention! If he wants your purse, throw it one way and run the other.

5.    Right to fight.

Know that you CAN and SHOULD defend yourself physically even if the attacker don’t hit first. The odds of survival are far greater if you fight back. Aim for the eyes first and then the groin. Strike quickly and hard.

6.    Pepper spray.

It can be useful or useless. It doesn’t work on everyone. If it is in your purse, you will waste time getting it out. Never depend on self-defense weapons, trust your body and your wits.

7.    Home invasions.

It happens more often. NEVER EVER open your door unless you know who it is or you can verify a legitimate reason for being there. Have a safe room where you can hide during a break-in, equipped with a strong door, lock, phone and pepper spray or fire extinguisher.

8.    Avoiding a car-jacking.

Lock all doors and keep windows up when driving. Most car-jackings take place at intersections. Criminals approach in the blind spot, and pull you out or jump in the passenger’s seat.

9.    Travel tip.

Violent crimes happen in all kinds of hotels anywhere. As with home safety, don’t open your door till you know the person is legitimate. Take a door wedge with you to secure the door.

10.  Cyber Safety.

The Internet offers many dangers. Communicate under a nickname and always keep personal information confidential. Let your family do the same. Stay up to date on Internet Safety.