What an Insurance Broker Can Do For You

An insurance broker is an expert in insurance as well as risk management. They act on behalf of the client by providing advice according to the client’s interests. When you consult personal insurance broker Ontario offers, he will help you identify your business or personal risks and thus advice you on the appropriate cover to take. Some brokers have specialized in a specific industry or insurance while others deal with various types.

Even though many clients do not like middle men, insurance brokers come in handy. It is a common misconception that purchasing something through a middle man is more costly than through the original buyer. However, this is not the case in the insurance industry. Here are some of the advantages of using an insurance broker.

Cost

When you purchase an insurance policy through a personal insurance broker Ontario, you are likely to get better pricing than through the insurance company. It is because insurance companies give discounted prices to brokers. Why is it so? Easy: the risk is lower for the insurer when policies are sold through brokers. Brokers are trained to select the right policy for their clients. They avoid under insuring. Doing this reduces unnecessary claims while at the same time maintaining the appropriate premium income.

Time

The time used to get quotation from a broker and an insurer has no much difference. However, with a broker, you will experience direct services since the brokers have expert knowledge. On the other hand, the insurer handles several clients thus there is no direct contact with the clients. It is therefore more likely that with the broker, you will spend less time generally.

Ease

Brokers tend to be more pro-active upon receiving the initial quote request. They are likely to do follow ups more often by answering queries as soon as they can. Direct services are not that easy especially when changes are required later during the policy. Therefore, it is easier to purchase the policy through a broker.

Security of personal information

The matter in question here depends on the mode of communication. If it is through the internet, most insurers have better security services than brokers. It could be attributed to the fact that most companies have high-tech security systems. However, when it comes to phone communication, personal insurance brokers Ontario are far better equipped to handle certain insurance queries and are accustomed to human discussion. Therefore, it makes clients feel that they are in safe hands.

Peace of mind

When buying directly, a consumer is tasked with cross checking the contract to ensure that it is okay. However brokers will help in checking the contracts. In fact, most of them are more efficient in checking the policy more than the clients. Thus, a client can have peace of mind knowing that everything is okay.

The common belief that brokers offers little discussion and sets a high price should not be trusted anymore. Personal insurance brokers Ontario will guide you towards buying the best policy, and more so, they will be patient with you. If you are thinking of buying an insurance policy, try using an insurance broker and you won’t regret.…

Percentage of Population with a Regular Physician

A Culturally-Relevant Perspective on This Issue

Introduction

The percentage of the population with a regular physician refers to the proportion of the adult population (15+) who report having a regular physician [1]. A regular physician (or medical doctor) includes family doctors/general practitioners who provide primary medical care, for example, annual exams, blood tests, flu shots, but also includes specialists. Overall, the proportion of Aboriginal persons having a regular physician (81%) is lower than the national average (85%) [2]. Aboriginal people living in remote and rural areas are considerably less likely to have a family physician than those living in non-isolated areas. Data on the percentage of the Inuit population with a regular physician are lacking.

First Nations

A National Aboriginal Health Organization (NAHO) poll in 2003 found that approximately 76% of the First Nations adults interviewed reported having a regular physician. More First Nations women (80%) compared to men (68%) reported having a regular physician.  In non-isolated communities, 85% reported having a regular doctor, compared to 81% in semi-isolated communities, and 52% in isolated/remote communities [3].  First Nation individuals living in rural and isolated communities were more likely to report difficulty accessing health providers, including regular physicians. In non- and semi-isolated communities, 30% reported difficulties accessing family physicians, compared to 42% in isolated/remote communities [3].

Métis

According to the Aboriginal Peoples Survey in 2006, 81% of Métis adults aged 15 and over in Canada had access to regular physician. Specifically, 77% of males compared to 84% of females reported having a regular physician.  The percentage of adults having a regular physician generally increased with age: 71% of adults aged 20-24 had a family doctor compared to 87% in those aged 65 and over. Men aged 65 and older were most likely (89%) to have a regular doctor, followed by women aged 85-64 (88%).  Métis people living in the territories are the least likely of the Métis people in Canada to have a regular physician, with 54% of the population reporting having a regular doctor: 48% of males and 59% of females [4].

Inuit

There is no Canadian estimate for the percentage of the Inuit population with a regular physician.  However, the 2006 Aboriginal Population Survey estimates that 56% of Inuit adults had contact with a medical doctor compared to 79% of the general population [5].  This is partly due to the fact that few doctors work in Inuit communities on a regular basis. In most Inuit communities, nurses are the first point of contact with the medical system. In many cases, Inuit people with medical emergencies, needing diagnoses, or seeking treatment or appointments with specialists are evacuated to hospitals in southern Canada [5]. Similarly, Inuit children are less likely to have had contact with a doctor in the last year compared to the general population. Approximately 46% of all Inuit children in Canada had contact with a doctor compared to 85% of all children in Canada [6].…

Injury Hospitalizations

A Culturally-Relevant Perspective on This Issue

Introduction

The injury hospitalization rate refers to the rate of acute care hospitalization due to injury (excluding poisoning and other non-traumatic injuries) per 100,000 population[1]. Injury hospitalization can result from a variety of causes including: motor vehicle accidents, falls, burns, drowning, unintentional and self-inflicted injuries, assault, cuts, machinery accidents and natural/environmental causes to name a few [2].  Existing injury hospitalization data reports combined rates for Aboriginal people, though the majority of injury hospitalization data has been collected for the First Nations population. The lack of Métis- and Inuit- specific data is considered a major data gap, and is needed to address the high rate of injury hospitalization among these populations [3].

First Nations

Injury is a leading cause of hospitalization and deaths among First Nations people, responsible for over one quarter of all deaths in the population [4,5,]. First Nations girls and women in Manitoba are more than three times more likely to be hospitalized for injuries compared to their Non-First Nation counterparts[6]. The major cause for injury hospitalization among First Nations women is self-inflicted injury, including suicide attempts [8]. There are a number of factors that may place First Nations people at higher risk of injury including: increased geographic isolation and distance to emergency facilities; low family income; high rates of violence; unsafe housing and workplaces; easy access to fire arms; substance abuse, and a casual approach to child supervision [5].

Métis

Métis-specific injury hospitalization data are lacking, making it difficult to estimate injury hospitalization rates among this population. Métis-specific data is needed to better understand injury and injury hospitalization in this group.

Inuit

Data about injury and injury hospitalization in Inuit populations are also lacking [7]. However, available data suggests the unintentional injury rate among the Inuit population in Nunavut and Nunavik to be 4-6 times the national average [8]. Evidence also suggests the suicide rate among Inuit populations to be 6-11 times higher than in the general population, the majority of these being attempted suicides. Attempted suicides are more prevalent among females and often results in injury hospitalization [9].  Sexual and physical abuse are likely another major cause for injury hospitalization, as the rates are estimated to be high among Inuit communities [3,10].…