Staying alive: Drug cocktail boosts HIV survival by 13 years (AFP)

AFP - Anti-HIV drugs have slashed death rates among people with the AIDS virus by nearly 40 percent since combination therapy was introduced in 1996, boosting their life expectancy by some 13 years, a study says.

Health insurance policy is not only meant to give you a quality health cover but also to give you money for value where affordability, cheapness and adequate cover are determinants. It can enrich you with some extra thousands of dollars while giving you a comprehensive health cover of your choice. This is how.

Buying a multi-policy from the same insurer that have been insuring you in the recent past will certainly qualify you for very good savings that come by discounts. This is more affordable since you are still buying from the same provider and he'll appreciate the gesture by giving discounts. This is better than spending more to engage a new insurer on the same type of policy that your old one could efficiently provide.

Quality health insurance policy that will also help to enrich you can be found where your particular insurer is a member of a network that works to provide free or affordable cover to the poor. Being insured by an insurance company that belongs to such a network of companies inevitably leads to very great decrease in rates chargeable.

Taking advantages of certain options that readily exist in the industry also serve to enrich a potential subscriber. For instance, instead of going blindly to sign up with agents or companies whose rating and delivery are not known is taking a big risk that may turn out very costly. But when a potential decides to try out toll-free customer lines as that offered by the National Health Information Center to make inquiries will better position someone for better policy options.

While it is good to visit some quote sites online to determine how much they charge in terms of rates, and position oneself accordingly for leverage on such offers, it might even turn out better and more affordable to buy policies online where it is available. But one should be careful not to fall into the hands of crooks by checking the ratings of such sites from rating institutions.

Omedo I. Charles is a prolific writer and a magazine reporter. He has several yet-to-be-published fiction manuscripts. He can be contacted on charlesomedo@cbfmail.com

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