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Importance of Claims Investigation

Underwriting and claims investigations are the two most imperative perspectives in the working of an insurance company. In the current commercial environment where competitiveness and financial gains stand as vital business cornerstones, claims investigation can serve as a market differentiator that puts insurance agencies at the front line of industry leadership and innovation.

To be effective, insurers need to enhance the operational productivity of their claims processing and assemble a working model that can minimize claims costs and also dispense the unnecessary expense associated with managing real as well as fraudulent claims.

Numerous insurance providers have varied claims operations, personnel and units that concentrate on the products and services (non-life and life) they offer to people or on various business sectors. This model frequently brings about gigantic claims operations with notable unit designs, system infrastructure and procedures for every market or line of business. In addition, in high-volume or exceptionally complex operations, fraud, waste and abuse claims are the ones that distress the insurance companies the most. It is here that the process of claims investigation works wonders, and helps insurers gain efficiency in their day-to-day operations.

Understanding Claims Investigation

The Claims Investigations process is one in which Insurance Companies, Insurance Examiners, or Investigators get data to assess a claim. Thus, it might require examining documents, finding witnesses, going talking with individuals, assessing property, for example, vehicles, accident sites to give some examples. Further, these investigations may lead to taking photographs, video, finding witnesses, talking with the victims, claims managers and much more. In doing so, insurance companies are looking for able partners that can deliver all the services of the claims investigation process, and this leads to the need of a Third Party Administrator who can work in tandem with the insurance providers to settle the claims and give valuable suggestions.

Various Forms Of A Potentially Fraud Claim

Fraud is a general term used to portray an act of deceit by an individual or group. This act of deceit can come in various configurations. For instance, insurance investigators attempt to uncover the individuals who make false claims with a specific end goal to get insurance money. Likewise, intellectual fraud occurs when fake items are passed off or sold as originals. Mortgage fraud happens when some person has adulterated the paperwork to ensure a loan goes through. Since each of the aforementioned claims fall in the fraudulent claims category, then having a certified claims investigation agency can only gain efficiency in each and every step of claims adjudication.

As you must be aware of the fact that fraud is a gigantic issue that costs insurance companies billions of dollars each year. In such a scenario having a trusted insurance claims investigation partner can very well leverage the workload of in-house working staff of an insurance company. And with integrated platforms and digitized reports can present you with real-time information on every claim investigated.

Following these points can help evaluate the claims investigation service quality parameters, and check how well it suits your business.

Inniti Alliance provides professional Claims management services focusing on policy administrations, claims analytics and management which timely investigates, comprehensive evaluations & fair determinations. Our team is adept at it’s work, allowing a quick turnaround time with no compromise on quality of service.

Inniti Alliance, one of the leading Data Analytics Consulting Firms, we help our clients with Insurance Analytics Solutions. We do everything from Core insurance services, operations, customer support, research and BPM.

Communication without being physically tied-up to wires has always been of interest and mobile and wireless communication networks promise that. The last few years have witnessed unprecedented growth in wireless communication networks. Significant advancements have been made in the technologies that support wireless communication environment and there is much more to come in the future. The devices used for wireless communication require certain features that wired communication devices may not necessarily need. These features include low power consumption, light weight, and worldwide communication ability.

In wireless and mobile communication networks, the access to a communication network is wireless so that the end users remain free to move. The rest of the communication path could be wired, wireless, or combination of the two. In general, a mobile user, while communicating, has a wireless connection with a fixed communication facility and rest of the communication path remains wired. The range of wireless communication is always limited and therefore the range of user mobility is also limited. To overcome this limitation, the cellular communication environment has been devised. In a cellular communication environment, a geographical region is divided into smaller regions called cells, thus the name cellular. Each cell has a fixed communication device that serves all mobile devices within that cell. However, as a mobile device, while in active communication, moves out of one cell and into another cell, service of that connection is transferred from one cell to another. This is called the handoff process. The cellular arrangement has many attractive features. As the cell size is small, the mobile devices do not need very high transmitting power to communicate. This leads to smaller devices that consume less power.

In addition, it is well known that the frequency spectrum that can be used for wireless communication is limited and can therefore support only a small number of wireless communication connections at a time. Dividing communication regions into cells allows the use of the same frequency in different cells as long as they are sufficiently far apart to avoid interference. This increases the number of mobile devices that can be supported. Advances in digital signal processing algorithms and faster electronics have led to very powerful, smaller, elegant, and versatile mobile communication devices. These devices have tremendous mobile communication abilities including wireless Internet access, wireless e-mail and news items, and wireless video (though limited) communication on handheld devices. Wireless telephones are already available and operate in different communication environments across the continents. The day is not far when a single communication number will be assigned to every newborn and will stay with that person irrespective of his/her location.

Another field that is emerging rapidly is the field of ad hoc wireless communication networks. These networks are of a temporary nature and are established for a certain need and for a certain duration. There is no elaborate setup needed to establish these networks. As a few mobile communication devices come in one another’s proximity, they can establish a communication network among themselves. Typical situations where ad hoc wireless networks can be used are in the classroom environment, corporate meetings, conferences,
disaster recovery situations, etc. Once the need for networking is satisfied, the ad hoc networking setup disappears.

The author also writes articles on “Innovative Electronics Ideas”

http://www.innovativeeideas.com/

Dressing for festive occasions and weddings is all about looking elegant and grabbing attention and Indian ethnic wear for women is best suited for such events. When you buy such traditional outfits, there are plenty of options such as sarees, anarkali suits, Patiala salwar kameez, lehenga choli and ethnic gowns. Amongst these, ethnic gowns make one of the most amazing one, with women dying to have them bring the wonderful blend of tradition and modernity for their wardrobe. When you pick ethnic gowns for women, you have to be aware of the styles which work for your body shape.

Here are the tips to help you learn about the ones which work for your body shape:

Apple Shape
Apple shape ladies are the ones who carry the bulk on their upper body, with the waist being the broadest part while the hips and legs are comparatively slimmer. Ethnic gowns designed in fit and flare style look the best on apple body types as they tend to minimize the bust, skim the waistline and add volume to the lower half. Such ethnic gowns for women which have heavy embroideries on the bust should be avoided as they take attention to the bulkier parts.

Pear Shape
One of the most common body shapes in women is pear shape, which is characterized by a slimmer bust but a broader bottom, with heavy hips and bulky legs. If you have such a figure, an ethnic gown with a flattering neckline or even an off-shoulder style would highlight the best you have and take attention away from the bulkier bottom. Heavily embellished bodice, A-line cut and empire waistlines are ideal for traditional gowns designed for this body type.

Hour Glass
A curvy, hour glass figure is what every woman, regular or plus sized, would love to have and she can carry just any style in all outfits including ethnic wear gowns. If you are blessed with an hour glass shape, a high waisted A-line gown with sexy, low cut neckline would complement your curves to perfection. Make sure that the fit drapes your curves so that you look simply sensuous. Embroidered waistlines make a smart idea for festive gowns for such ladies.

Rectangular
A rectangular body shape is the exact opposite of hourglass shape; more specifically, it is characterized by the absence of curves. Look for gowns which create an illusion of curves, like the ones with empire waistline and plunging V-necklines which are highlighted with some embroidery or embellishments. An ethnic gown with corset style can actually make you look curvy and voluptuous.

Petite
If you have a petite form, you would be well aware of the complexities that are to be faced as you buy ethnic wear for women online or otherwise. In case of traditional gowns, aspire for an elongated appearance and A-line or column like sheath styles do that the best. Avoid gowns that have been crafted in voluminous fabrics as these may end up overwhelming your small frame.

Kim Mibram is a renowned blogger and fashion expert, with a reputation of being a fashion advisor par excellence, particularly when it comes to ethnic wear. Whether it is sarees, designer suits, lehenga choli or ethnic gowns that you are planning to pick for your festive wardrobe, Kim advice is going to be extremely useful.

So we had a few hiccups with putting together a new group program, relatively small considering. However, it really did provide a great lesson in letting go and teaching here. Of course no one ever likes to make mistakes and wants to be professional, but sometimes things do happen.

As a business owner when a mistake occurs, we can either:

A) Realize things are going to happen and decide to let it go. Do what we can to make things right and learn for next time.

B) Take it personally. Let perfectionism and feelings of failure take over, which in-turn spirals down into feeling like a bad person.

I chose A, but I wouldn’t have always. My old pattern is B. Perfectionism when understood correctly, is really about trying to get love and approval from someone else outside of us. Chances are we will never get that love and approval at least in the way we’re looking for it. That’s because we need to look within for that self-love instead. It’s an inside job.

Perfectionism shows-up in needing to make everything “perfect” so that we don’t fail and make a mistake, and then not get that love and approval we’re so desperate for. It’s foreign unconscious, and then shows-up everywhere. In business, relationships, friendships and even health!

Well, what happens if we allow ourselves to make a mistake?

Here is a list of the goodness I have realized:

1. You grow faster. The more you allow yourself to fall the faster you learn.

2. You learn from your mistakes. A great mentor of mine once said, there is no such thing as failure only feedback. These opportunities are filled with feedback; i.e. what do you need to tweak, add in, change, let go of, etc. in order to have a better business? I now know NOT to offer pricing in a different currency! Currency is a moving target and you can never guarantee that exact amount. You don’t need to make that mistake directly – learn from mine.

3. You show you’re human. Who wants to be around someone who never makes mistakes? This shows you are human and allows them to be the same.

4. It’s all about how you deal with the mistake that matters. This is a great opportunity to show your true character, which is hopefully being of utmost service for your clients. How can you make the situation right? How can you go above and beyond? How can you show your clients they are important to you? What an amazing experience to show you care and build connection!

Last but not least, how can you strengthen your relationship with yourself? Where you feel worthy and loveable deep down, where you give yourself the love, compassion and space to make mistakes?

Practice this daily.

While there are people who look towards the mainstream media to be informed, there are others who are no longer willing to do so. When these people want to find out about what is taking place around them, they will look towards the alternative media.

In the past, there was only one option when it came to finding out about what is taking place in the world. One way of looking at this would be to say that the mainstream media had complete control over what people heard.

A New Era

But thanks to the internet, it is no longer necessary for someone to look towards the mainstream media. If they don’t want to listen to what this source has to say, they can look towards the alternative media.

Through doing this, there is a strong chance that they will hear about things that they wouldn’t have heard about if they took the traditional route. It can then be normal for one to believe that they are finding out the truth.

Lies, Lies and More Lies

If they were to look back on when they used to follow the mainstream media, they may remember the times when this source didn’t tell the truth. This can relate to things that were relatively trivial, and to things that were extremely serious.

When it related to the former, it might not have resulted in a lot of damage being done. But when it related to the latter, it could have meant that hundreds or even thousands of people were affected.

Weapons of Mass Deception

One of these moments may have been when it was said that a certain country had weapons that would cause a lot of damage if they were not dealt with. Upon hearing this, it would have been normal for them and millions of other people to react.

Yet as time passed, they would have come to see that this was nothing more than an illusion; with this being nothing more than an excuse to attack a country. It might be more accurate to say that this was a way to destroy it and for certain people to get what they wanted.

A Big Difference

One is likely to be only too pleased that they no longer have to look towards this source in order to find out what is taking place. They would have been taken advantage of by them in the past, but this is no longer going to be the case.

When it comes to the people they spend time with, they might also have the same approach. Therefore, if one hasn’t heard about something, they could end up hearing about it from them.

A Different Experience

What this will also do is give them the opportunity to talk about what they have heard. However, while this could be seen as the ideal scenario, one could be surrounded by people who don’t have this approach.

As far as these people are concerned, the mainstream media could be the only source that is reliable. They could believe that one is a bit crazy for looking towards the alternative media.

The Truth

This could mean that they are not willing to acknowledge the fact that this source of information has lied to them on numerous occasions, or they might be able to accept this. Yet regardless of this, they could believe that this is the only source that can be trusted.

It could be said that it won’t matter what the mainstream media do, as these people are not going to look to another source of information. This is then going to be similar to how someone can stay in a relationship even though they are being abused.

A Dysfunctional Bond

Due to relationship they have with the mainstream media, they will overlook the bad things that they do. If everyone behaved as they do, this source would have carte blanche to say whatever they wanted, and they wouldn’t need to worry about losing their audience.

Fortunately, there are plenty of people who are not willing to simply to behave in this way. This has had an effect on the mainstream media, but they are not going to change without a fight, and one of the ways they are fighting back is by calling the alternative media ‘fake news’.

The Answer

When one looks towards the alternative media, they could still keep a critical eye; they are then not going to believe everything they hear. It could be said that this will be the sensible thing to do; after all, everyone has an agenda.

Some of the different alternative media sites that they view are going to have a certain slant. There is then going to be things they look into and things they overlook, and this is naturally going to be influenced by what they believe.

Caught Up

There are also likely to be sites that exist to condition people to have a certain outlook. It is then not going to be about informing people; it will be a way for them to control how they perceive the world.

But although there will be some people who will still question what this source comes out with, there will be others who swallow everything they hear. In their eyes, there will be no reason for them to do this.

The Easy Option

As they believe that the mainstream media lies to people and the alternative media tells the truth, it is to be expected that the will behave in this way. This will stop them from having to think for themselves, and this will save them a lot of energy.

One is then going to be an easy target without realising it, and it could be said that they might not be a lot better off than the people who follow the mainstream media. What it can do is to allow them to believe that they are better than the people who follow this source.

Conclusion

As a result of how they behave, the only thing the people behind the scenes, so to speak, will need to do to control them is to create their own alternative media. It has been said that this is something that has already taken place.

What this shows is how important it is for one to question what they hear; no matter where it comes from.

Prolific writer, author, and coach, Oliver JR Cooper, hails from England. His insightful commentary and analysis covers all aspects of human transformation, including love, partnership, self-love, and inner awareness. With over one thousand two hundred in-depth articles highlighting human psychology and behaviour, Oliver offers hope along with his sound advice. His current projects include ‘A Dialogue With The Heart’ and ‘Communication Made Easy’.

To find out more go to – http://www.oliverjrcooper.co.uk/

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