Basic Features of Health Insurance

insuranceMedical insurance resembles other kinds of insurance coverage where individuals merge the dangers of having any kind of clinical expenditures or demands in future. Medical insurance plans are offered with the exclusive worries along with under state as well as federal government. Alongside various charitable company handles the earnings of the insurance plan under their company.

Medical insurance is once again of 2 kinds – the specific medical insurance and also the team medical insurance. Team medical insurance are readily available under company or a firm which offers the advantages of the plans under the medical insurance to their workers. In exchange the federal government offers the company with specific tax obligation advantages.

There are usually the complying with points to understand in any type of insurance policy for health and wellness:

Costs: This is paid by the plan owner to the plan carrier. It is normally paid on a regular monthly or on quarterly basis. It depends on the insurance deductible as well as the co-payments.

Insurance deductible: This quantity is paid by the plan owner also. For instance, a plan owner of a strategy may should at the very least pay regarding $500 in a year, prior to the wellness insurance company carriers cover the costs of the clinical remedy. It may take numerous check outs prior to one get to the total of the insurance deductible. Afterwards restriction is gotten to, the insurance coverage business begins spending for the treatment.

Co-payment: This quantity is paid by the plan owner also. This is paid prior to the insurance coverage service provider begins paying the costs of the solution. For instance, the plan owner is called for to pay $60 budget to the medical professional or when they are getting prescribed. This co-payment will certainly be done each time they get the solution.

Co-insurance: Besides spending for the co-payment, an insurance provider might be additionally needed to pay a particular quantity of cash as co-insurance. This is a percent of the overall expense of the plan owner. As an example an insurance company is called for to could 30 % as co-insurance. At this phase if they go through any kind of surgical procedure they will certainly pay 30 % of the expense while the insurance coverage business will certainly pay 70 percent. It mores than as well as over the expense of the co-payment.

Exemptions: All various solutions under the clinical solution which are not covered under any sort of solitary insurance plan are exemption. At this phase, the insurance provider needs to pay the complete price of the solution.

Protection limitations: Specific insurance policy business spend for a specific solution just to a certain budget quantity. The excess fee is paid by the plan owner. Specific firms also involve this constraint to the yearly cost protection or to life time fee insurance coverage. The recipients are not paid if the service fee goes beyond the discussed restriction.

Out-of-pocket optimums: This resembles protection restriction, yet in this instance the insurance provider’s from the pocket restricts ends, as opposed to the insurance coverage service provider’s restrictions. Insurance coverage business pays the staying cost.

Capitation: Capitation is the quantity paid by the plan owner to the plan company in exchange which the plan supplier consents to cover all the expenditures of the insurance company’s participant.



The Viajeo project will design, demonstrate and validate an open platform which will facilitate data sharing and exchange from different sources and provide data processing and management to support a variety of services. The project will integrate the open platform with local components and demonstrate its applications in four cities: Athens, São Paulo, Beijing and Shanghai.

The open platform will benefit travellers, transport planners and transport system operators and managers. The open platform will be able to support cross-modal journey planning and seamless traveller information service. Data exchange between operators will lead to a better optimized operation of all systems and individual operation strategies can be harmonized by the data exchanges and information sharing. The platform will enable all data and information used for real-time operation to be used for transport planning. Transport planner will have access to traffic data and information on traffic management strategies. Such information will lead more detailed and comprehensive historical database for transport modelling development and long term policy evaluation.

Background & Objectives


Cities face ever increasing demands on their transportation systems, especially in developing regions with growing car ownership and rapid urban migration. Even more than heavy infrastructure investment, strategic mobility management is becoming the most important tool for meeting this demand

Mobility management is the domain of activities that combine long term planning and implementation activities with real time and historical information. To be able to deliver effective travel plan and implement the plans, huge amounts of information about usage of the transportation network are needed. Currently, traditional methods (such as roadside units to collect traffic data) and new methods (probe vehicles) have been used to provide traffic data. However, integration of such data is essential in order to support innovative long-term planning and short-term proactive and reactive management of the transport network

Moreover, since road traffic is the main source of CO2 emission and air pollution in urban areas, there is a strong need for environmental data in transport planning and management. Integration of such environmental data into existing planning tools and management schemes will enable implementation of innovative transport planning and management methods towards higher environmental benefits.

It is often the case that information from one transport mode and even from different transport authorities cooperating to provide the same mode of transport is shared neither in real time nor for planning purposes. This sharing has the potential to enhance efficiency of overall urban mobility. With fast development of technologies, new data sources and new media to disseminate information are emerging. Integration of new data sources and new services is a challenge to existing data management strategies.

This Viajeo project will address the above problems by bringing together various stakeholders to design, implement, and demonstrate an open platform in order to enhance efficiency of overall urban mobility. The project will implement and demonstrate the open platform in a number of carefully selected cities in Europe, China and Brazil.


The scientific and technical objectives of the Viajeo project are:

Design of an open platform with interfaces to a wide range of mobility services

Identification of the needs of local transport planner, policy makers, transport operators and end users for traffic and transport information
Investigation of current use of standards and protocols and identification the gaps between these and the available standards and protocols from Europe
Design of core functionalities of the open platform
Design of interfaces of the open platform to a wide range of mobility services

Implementation of the open platform in Europe, and in the emerging economies, i.e. China and Brazil

Implementation of the functionalities of the open platform design based on local user requirements and available infrastructure in the four demo cities
Implementation of the interfaces to wide range of services for transport planners, transport operators and travellers in each of the four demo cities

Validation of the open platform

Validation of the technical performance of the open platform from data collected at gamma test and demonstration
Validation of the user acceptance from demonstration

Assessment of social and transport impacts of the implementation and demonstration of the open platform

Assessment of social impacts of implementation and demonstration of the open platform, e.g. change of behaviour, increase of accessibility, etc.
Assessment of environmental impacts from implementation of the open platform
Assessment of impacts on in efficiency and safety of urban transport systems