Health Insurance

The term health insurance is generally used to describe a form of insurance that pays for medical expenses. It is sometimes used more broadly to include insurance covering disability or long-term nursing or custodial care needs. It may be provided through a government-sponsored social insurance program, or from private insurance companies. It may be purchased on a group basis or purchased by individual consumers. In each case, the covered groups or individuals pay premiums or taxes to help protect themselves from high or unexpected healthcare expenses. Similar benefits paying for medical expenses may also be provided through social welfare programs funded by the government. Health insurance works by estimating the overall risk of healthcare expenses and developing a routine finance structure that will ensure that money is available to pay for the healthcare benefits specified in the insurance agreement. The benefit is administered by a central organization, most often either a government agency or a private or not-for-profit entity operating a health plan.

Karma Destiny

Karma is a process, action, energy and force. Some interpret this force as action-influence. It is our own doings reacting on ourselves. The pain and happiness are the results of deeds, words and thoughts reacting on themselves. Our deeds, words and thoughts produce our prosperity, failure, happiness and misery. It is an impersonal, natural law operating in its own field without the intervention of external, independent ruling agencies.