Family Health Insurance - What it should cover?

Family Health Insurance- What it should cover?

Having gone through the brochures of health insurance offered by different insurance companies, one should raise certain queries from the Insurance Company to clarify what covers the insurance policy will provide?

What are the treatments covered under the heal insurance policy, what are dos and do nots of health insurance policy? etc.

Here is a sample of the points raised by the client organization that want a comprehensive health policy for its member community from the insurance company. This example would certainly help others. 

          Application of Scheme 

a.      In the schemes i.e.5 family members (Husband, Wife and 3 children) are covered. In case of a bachelor , his dependents i.e. parents, brothers/sisters subject to maximum of 5 are covered or not?

b.      Room Rent:   In Scheme I, Room Rent permissible is Rs 2800/- per day. For treatment/admission in good hospitals the room rent admissible is too less. It should not be less than Rs. 4000/- per day.

c.      Maternity Limit: Annual limit laid down for C-section/multiple birth as Rs. 25,000/- is less. Presently hospitals are charging approximately Rs. 35,000/- to Rs. 45,000/- . Moreover coverage of lab tests/medicines also needs to be specified. (Rs. 15,000 = Delivery/Abortions/ Sterilization/ Infertility)

d.      Personal Accident: Compensation in case of disability or death is not mentioned/specified for applicability of the said policy. Will the panel hospitals treat medico-legal cases; Road Traffic Accident?

e.      Emergency Cases: In case of emergency, if the patient cannot be brought to the hospitals on panel, then he may be allowed treatment at any hospital closer to his place and payment be made according to the condition of the patient.

f.       Prolonged Illness:  Prolonged illnesses (Hepatitis Interferon Therapy, TB, Cancer, Stroke/Paralysis) and all existing sickness should also be covered in the policy.

g.      Day care surgery: Temporary detention in the ward and emergency treatment given to the patient should also be covered.

h.     Procedure for getting insurance cover from panel hospitals may please be outlined.

i.       Minimum number of members/family for execution of this policy is laid down as 1000 Nos. Reaching to the figure of 1000 Nos may take lot of time. This will result in denying this facility to the engineers who become member at initial stage i.e. prior to figure of 1000 Nos.

Authority Letter

Authority Letter

How to write an Authority Letter? Some times we need to authorize some other person to receive checques, financial documents, business documents and reimbursement of bid money or insurance guarantee.
In all such cases we need to give an authority letter to the person who can receive such documents on our behalf. Here is the sample of the letter that may customized as per your individual needs.

To Whom It May Concern

Mr. Sami-ul-Haq, CNIC No. 13201-33737-7, is hereby authorized to receive the checque of Re-fund of Fee from the Provost Office, Hazara University, Mansehra on my behalf.  Kindly deliver the checque to aforementioned person and oblige.

Thanks and regards,

Signature

Name

 Address

Sample Application for Fee Installments

Sample Application for Fee Installments

If you are looking the answers of following questions, you are on the right page:

How to get approval for depositing the fee in installments?

How to apply for fee installments?

What if you can not deposit your fee at once?

Sample application for depositing academic fee in installments.

Some students face financial problems and are unable to deposit their full semester fee at once. May people do some work and are self dependent in their studies. They need some time to pay their dues. Monthly installments help them in gathering financial resources while continuing their studies. If the situation is similar to that, you need to write a letter to the head of department for fee installment. Mostly this letter is written in application format. How to write an application for fee installments or a request for deposting the fee in installments needs careful drafting. As you are seeking a sympathetic, humanitarian view, your request for tuition fee installment should be humble. Sometimes some students need tuition fee waiver. They face problem in writing applicaiton for tuition fee waiver. These problems are mostly faced in developing countries where fees are high and institutions do not offer fee installment plan.

Here is the sample letter that will help you in writing an application to get relaxation in fee schedule:

Subject: Request for Fee Installments

Respected Sir,

I have got enrolled in MS Management (Marketing) programme of M.A.J.U, Islamabad Campus under registration number.

I am doing job in a semi-government organization and have no other mean of earning. I have to bear all study expenses from my earning. Being a salaried person, I am unable to deposit Course Fee of Rs. 36000/-.

It is requested that some fee may be waived and should you grant, the rest may be allowed to pay in 4 equal installments. 

Truly,

Letter for Collaboration

Letter for Collaboration

Organizations go for collaborations and cooperation in implementation of their activities. Here is a free sample showing how to seek collaboration from an organization. Just customize it as per your needs.

Dear Sir,

Your organization is a growing organization and works for human development, promotion of better opportunities, improving standards of living and provides assistance to social sector organizations/NGOs for smooth implementation of their projects. The Your organizaiton is registered with the Government of Pakistan and networks with public and private sector organizations at national and international level.

We, the team at your organization, are alive to the rapidly changing trends and provide customized solutions keeping in view the individual needs. We believe in developing mutually beneficial relationships. We seek your support in improving the lives of people through joint efforts utilizing the infrastructure, such as conference room and venue etc, available at Bahria University, Islamabad. The relationship will bring mutual benefits including training at minimal fees for students, faculty and staff of M.A.J.U. The collaboration will also bring free branding opportunities for your institute.

your organization intends to organize ONE day training on November 10, 2012 (Tentative) for students and faculty on “Statistical Package for Social Sciences”.

your organization would arrange for the resource person(s), the workshop material including certificates for participants, shields for chief guest/resource person(s), lunch for participants and closing Tea. We will charge a minor fee from the participants to cater all above stated expenses. We expect 40-50 participants in this program from various targeted organizations and institutions of the country.

We request Bahria University management to collaborate this event by providing venue with multimedia projector and internet access etc.

Benefits of Collaboration:

The name of Bahria University will be mentioned with acknowledgement on all correspondence material including Training Brochure, Certificates, souvenirs, professional LISTSERVS, banners and emails. We put this brochure on our dynamic website as well. No Fee for 3 Nominations from Bahria University for this program.

We believe that together we can bring changes in the lives of many through capacity building and training.

Free Sample Employment Certificate

Free Sample Employment Certificate

You need Free sample employment letter to apply for job showing your current employment status. Here is the free sample employment letter

:

TO WHO IT MAY CONCERN

It is to certify that Mr. (your name) Public Relation Officer is working in Organization/station as regular employee since 28^th June, 2006. He is honest, dedicated and energetic worker. We wish him success in all endeavors of life.

Signature

Desgination

Advance Salary Request

Advance Salary Request

Sometimes, when we run short of money and no one is ready to lend us, the employer is the last hope. Many good employers entertain the request of advance salary. The amount may vary from one month salary to multiple salaries. You may request your employer for advance salary in two ways:
1- Getting the salary before the due date i.e. a week or two before the salary day

2- Getting the amount equal to one or two salaries and return it in four to six monthly installments. This way you generate money for the urgent need and the budget of next month also remains in control.

When the stage of writing a request for advance salary arrives, many people get confused what to write and how to write? How to write applicaiton for salary advance is a question that can indicate the response on your request. Therefore, a simple and to the point request for loan, salary advance is recommended. Here is a simple sample application for advance salary that may help you in getting the advance salary from your employer. This sample will help those who are very weak in English and feel shy in drafting letters. This free sample format letter for salary advance will help them alot.

Date

The (Employer)

Organization

City.

Subject:  Request for Advance Salary

 It is submitted that the undersigned is in dire need of money on account of personal reasons.

It is requested that an amount of Rs. 60,000 may be sanctioned as advance and deduction may be done in Six monthly installments. 

Si

Signature

Your name

title

Cover Letter for Annual Report

Cover Letter for Annual Report

The following cover letter has been designed to help you send your annual report, newsletter or any other publication through post to the target audience. Annual Report, after printing, is usually sent to all the stakeholders of an organization for their information.

However, the communication requires a cover letter so that it is delivered in a decent manner. This cover letter for annual report/ publication is made short and precise as the attention of the reader need to be drawn towards attached report or publication instead of cover letter.

Date

Ref No.

Subject:      Annual Report 2011

I am forwarding a copy of the Annual Report 2011 of (Organization). The report highlights some salient features and activities of the (organization) during the year 2011. Your support and contribution in the success of (organization) is appreciated. 

Sincerely,

Signature

Name

Request for Advertisement

Request for Advertisement

Newspapers, magazines, e-zines, newsletters and similar publications need advertisement to meet their expenditures and make profit. Seeking advertisement from the potential organizations is a routine job of marketing staff at media/press.

Normally, advertising agencies seek advertisements and some periodicals and newspapers also directly approach companies for advertisements. How to write a letter seeking advertisement is a thoughtful job. Requests for advertisements must be clear and concise. While writing a request for advertisement in your magazine or newspaper, you need to let the potential advertiser know about the strength of your publication and its distribution. What contents it carries and how an advertiser can get benefit by advertising in your publication? These are critical questions that need to be answered while drafting a letter for advertisement. Here is a sample letter that may be written to potential advertisers. This is a sample request for release of advertisements from a newspaper:

To,

.......

.......

......

Subject: Request for Advertisement

(Newspaper) a Fortnightly Newspaper projecting Trade and Economic Policies and covering Mega Events in the Country since last 13 years with success, remarkable achievement and appreciated also on its credit. (Newspaper) as constantly and continuously been bringing up and highlighting the issues and problem relating to the business community.

(Newspaper) is ideal to advertise the products expecting approximately 2% of the Country’s population as consumers.

(Newspaper) will give you results above expectation for areas such as Financial Sector, Auto Sector, Steel Sector, Consumer Products, Airlines, Transportations, Petroleum, Machineries, Textile, Fan Industry, Pharmaceutical, etc since we have more than 10,000 subscribers in business community. Our mailing list includes members and officials of FPCCI, chambers and trade bodies for all over the country.

We hope that you will give us the advertisement. We look forward for your cooperation at highest level.

Signature 

Name

Contact Numbers

Reference Letter For Student

Reference Letter For Student

It is very difficult to get a good referencce letter that can ensure the award of scholarship or admission in the research studies. Sample recomendation letters and reference letters are even difficult to find at internet. But now u need not to worry. Here is a sample letter for you that may help you if you are searching
for:

1-     How to write a reference letter or character reference letter?

2-     What should be written in reference letter for a PhD admission?

3-     How to write a reference letter required from teacher/academician for further study?

4-     How to write reference letter for PhD Scholarship?

5-     Reference Letter format or academic reference letter sample.

- -  Reference Letter or Recommendation letter for Student

6-     Sample recommendation letter from you teacher for scholarship or admission.

To Whom It May Concern

I highly recommend Mr. (name) as a candidate for PhD research place. I have worked with (your name) in my position as his teacher for Master of Science in Management Science at Muhammad Ali Jinnah University, Islamabad, Pakistan.

While a student, Mahmood was employed in (organization) as Public Relation Officer and his focus of study was on social media. He has plenty of working experience in social media.

(your name) has a wonderful rapport with people of all ages, especially teachers. His ability to connect with his teacher and talent at research, learning concepts and advanced topics, are both truly superior. He has excellent written and verbal communication skills in English and Urdu, is extremely organized, reliable and computer literate. (your name) can work independently and is able to follow through to ensure that the job gets done. He accomplishes these tasks with great initiative and with a very positive attitude.

I recommend (your name) to you without reservation. If you have any further questions with regard to his background or qualifications, please do not hesitate to contact me.

Sincerely,

Signature 

Free Sample Sponsorship Letter

Free Sample Sponsorship Letter

Many people who are working to organize a conference, seminar or a mega event need sponsorship to cater the financial needs and generate income. Many companies sponsor such conferences or seminars as per their marketing strategy. Event organizer need to

contact the potential sponsoring organizations to obtain sponsorship in the form of funds and exhibitions. Here is a sample letter that will cater your following needs:

1-     How to write a sponsorship letter or a sponsor letter?

2-     How to write a cover letter addressing sponsoring organizations?

3-     What to write in the sponsorship seeking letter?

4-     How to communicate the effectiveness of a conference or seminar to a potential sponsoring organization in order to get sponsorship?

5-     How to write an impressive cover letter for conference sponsorship?

6-     How to obtain sponsors for a conference or seminar?

7-     Free sample sponsorship proposal cover letter.

8-     How to write a letter requesting sponsorship for an event or a conference?

9

Writing the best sponsorship letter is not much difficult but the event organizer needs creativity in his drafting for every new event. Here is an example of sponsor letter which is requesting or seeking sponsorship for a conference. You need to modify it according to the theme of your event. The free sample sponsorship letter will help you in conveying your message to the potential sponsors and may help you achieve your target.

Mr. XYZ

Director ABC

Islamabad, Pakistan.

Subject: Sponsorship Letter for (Conference/Seminar/Event)

Dear Mr. (Name)

With immense pleasure, I would like to inform you that (organization name) is holding the (Conference, Seminar or Event name) from (Dates) at (Venue), (City).

The aim of (short Conference or Seminar Title e.g. ICCEES-2013) is to:

• Develop practical solutions for creating widespread benefits & value for society thereby enhancing the reputation of electrical, electronics, bilological, and chemical research as a source of well being and prosperity.
•  Encourage Train’s disciplinary and translational research that will identify electrical, electronics, biological and chemical sensors development. 
• Solicit applications from researchers/scholars to present papers related to sensors/sensing technology used extensively in Controls & automation.

·        Propose techniques/methods that could explore a unique mulit-disciplinary approach to electrical, electronics, controls, bio-medical and Bio-chemical sensing challenges that are high risk but have a considerable payoff and also develop data leading to significant future research.

We assure you that your generous sponsorship will contribute towards the promotion of sensing technology as it has brought a paradigm shift in the modern age. We are pleased to announce that sponsors will be entitled with multiple benefits and the sponsorship packages can be negotiated as per your company’s marketing strategy. The detail outlines are highlighted in the sponsorship proposal attached herewith the cover letter. Additionally, the Sponsorship Booking Form can be filled and returned electronically at (Email Address).

We are putting every possible effort to make (Conference Title) a well-attended conference and also looking forward for your favorable response.

Profound regards

Signature

Name and Title

Contact

Enclosed:

·        Sponsorship Proposal- (Conference Title)

·        Sponsorship Booking Form

Cover Letter for Newsletter or Magazine

Almost all public and private sector organizations and institutions issue a monthly, quarterly or biannual newsletter or magazine to communicate their activities and achievements and future plans to the stakeholders. Newsletter of a university, college, NGO, government organization
and corporate sector are usually sent to the executives and heads of other organization in order to bridge the communication gap. In order to send the organizational newsletter or magazine through post, a cover letter is attached over the publication to make it a decent post.

The free sample cover letter for newsletter or magazine may help you in developing a cover letter for your organization's publication. The cover letter must include the Vol No., a brief about contents and theme, and should seek the feedback and contribution for the upcoming issues of newsletter or magazine. Here is a free sample cover letter that may be modified as the need be. The cover letter should be printed on the company's letterhead.


The Chairman
Organization Name
Address

Subject:  (Organization) Newsletter Vol 65

Dear Sir,

I take this opportunity to send a copy of the quarterly Newsletter Vol. 65 of the (Organization name and city). The Newsletter highlights the academic, co-curricular and extra curricular activities and developments at the university. It also brings into focus the progress made by (organization) scholars in the field of research.

I would welcome your comments and suggestions in respect of our endeavors and expect your continued support in promoting quality higher education in Punjab.

With profound regards,

Yours sincerely,

Signature
(Name)
Designation

Request for Special Honorarium on Achievement

Request for Special Honorarium on Achievement

The following sample letter can be used for getting honorarium for the staff who worked day and night

to achieve the target. It can be used for
:

1- Getting special pay or honorarium for the staff deputed on a special task other than their normal

assignments.

2- Honorarium for holding a successful mega event such as Annual General Meeting, International

Conference, Exhibition where the targets were met. 

Honorarium is usually given by the employer to the employees in recognition of their valuable input

and hard work they did to get the desired results. Here is a sample request letter that can be submitted

from the master of the event to the employer or competent authority for getting honorarium for the staff

involved.

To......

Designation

Company.

Subject:  Special Honorarium for 25th Annual General Meeting

By the grace of Allah (Almighty), the event of 23^rdAnnual General Meeting was held in an organized,

peaceful and successful manner at (City) on (Date).

This success was backed by the passion, commitment and hard work of the team involved for it. The

efforts of concerned staff personnel at (Regional/Branch Office) and Headoffice for

holding this mega event are commendable.      

In recognition of the efforts and as per previous practice, it is highly recommended that a special

honorarium be given to all the staff involved for AGM.

Signature

Name 

Title

Request for Repair of Laptop

In some offices and workplaces, if your laptop or computer is out of order or get damaged, you need to put an application to get approval for repairing services. Following is a simple

sample request that may help you in this regard.

Employer Name

Designation

Company.

Subject:  Repair of Laptop

It is submitted that the pedestal seal of laptop, in custody of the undersigned, has lost clamp and needs repair to avoid damage to the LCD screen.

Approval for repair of the laptop is requested, please.

Signature

Name

Title

Request for Message for Book, Magazine, Newsletter, Report or Similar Publications

The following letter was written to get the message of the Chairman of an organization for a special directory publication. It can also be used as a request letter to obtain message for

other publications such as a book, newsletter, special report or a magazine. In some conferences, a conference publication or journal is published with messages from the executives, organizers and government officials. In order to obtain the message from these dignitaries, the organizer need to write a request letter along with the draft message. I hope this free sample request letter will help you in getting the desired message for your publication.

Name

Designation

Organization.

Subject: MESSAGE REQUEST FOR PUBLICATION  

Dear Sir/Madam,

It gives me immense pleasure to inform you that our last 13 issues of Architects of Builders Source Book were greatly appreciated by all. We are in the process of bringing out our 14^th Issue.

This book serves multipurpose requirements of Architects, Engineers, Building and Construction Industry, Consultants, Suppliers, vendors and consumers as well. Our target is to equip them with valuable information related to the Building Industry. This directory is updated on an annual basis.

Complimentary copies of this directory are sent to all Architectural firms, engineering companies and builders. It serves them as a reference guide to the availability of the products in the market.

In this regard, I would like to request you to provide us a message for our new issue of the Architects & Builders Source Book 2013, along with a photograph for the directory. Your message will be a great source of encouragement for us.

Looking forward to your early response.

Thanking you,

Signature

Name

Designation

Contact