Author: Michael

We all know the importance of having health insurance coverage to stay protected against the heavy expenses of medical emergencies. The modern health insurance policy is extremely wholesome in its design. Leading insurers offer coverage not only for hospitalisation costs but also for day care procedures, AYUSH, and pre-and post-hospitalisation expenses. 

Now, you might have come across certain people who have coverage from more than a single health insurance policy. You may wonder whether having multiple policies holds any benefits. For instance, if your employer has you covered under group health insurance at work, do you still need to take out your own individual policy?

To be completely honest, you may benefit from having more than one policy to cover you. Let’s take a look at some of the main benefits of being covered by more than one health insurance policy.

• Enjoy coverage from different insurance providers

If you are unsure about choosing between two health insurance providers, you may consider taking coverage from each of them for a year or so and comparing the benefits. This way, you will be able to adequately examine which insurance company provides better quality in terms of customer service, value-added benefits, and so on. 

• Cost-effective way to increase coverage

We do know that increasing your sum insured will also lead to an increase in the premium that you pay. Sometimes, it may fall cheaper to widen your coverage by buying two health insurance policies with lower cover limits and affordable premiums rather than taking one policy with a high cover limit and a high premium. However, do keep in mind that having two health insurance policies does not guarantee that you will get a 100% reimbursement. You might still face deductibles and co-pay on each of your claims as per each individual insurer’s terms. 

• Helps stay protected against claims getting denied

If you have two health insurance policies, you can try to raise a claim with the second insurer if the first one is unable to process your claim for some reason. For instance, maybe you need to raise a claim for a particular health issue not covered under one health insurance policy. You can always opt to buy a second policy that does offer coverage for that issue without forgoing the policy you already have from the first insurer.

• Ensures continuity of coverage

This benefit is applicable in three major scenarios. First, if you already have health insurance coverage through your employer, you might want to take a private policy too just to keep yourself continuously covered. If you change jobs, your employer’s health insurance protection will lapse but your private health insurance policy will continue to safeguard you. Second, if you have two private health insurance policies and one health insurance policy lapses, you still stay covered under the other one until you renew the first. Thirdly, if your two policies are an individual health insurance plan and a family floater health insurance plan and the family floater claim limit …

Clients, customers, and suppliers are more impressed when they walk in a clean business space. Your employees are also able to perform their duties efficiently without any disruptions. 

However, it’s important to know the best time you need to clean your workplace without disrupting your business operations. The cleaning time should not clash with the office hours. 

Here is the best time to do the cleaning.

Early Morning

Use that low traffic time to get started and ready for the day. Before you settle on your desk to start working, ensure your surrounding is clean. Ensure your office lobbies and conference rooms are cleaned before you and your staff starts coming in for the day.

You can assign someone to be doing this on open duties or have a cleaning crew mandated to do the cleaning before opening your business premises. 

You should have a checklist to jot down activities that you would like to accomplish daily. This will ensure you don’t miss out on anything.

Evenings

Try not to leave your working space untidy in the evening if you’re the type who starts work very early. Put everything back to its normal position before heading out. 

This is the easiest way you can tidy your workplace after a long day of work. You can remove debris from carpets and floors or clean those much-used surfaces in your office.

Doing evening cleaning also reduces the next day’s work. The cleaned surfaces will also dry well since no one will be walking in and out. There will be no disruption of the cleaning process due to minimal movement. 

Evening cleanings ensure your early customers, clients, or even your staff will walk into a sparkling working space.

Weekends

The perfect time and day to hire a commercial cleaning company should be on the weekends. Weekends are the best time to carry out tasks that take a lot of time and do some thorough cleaning. 

Tasks such as emptying the dust bins, wiping furniture, and wiping computers can be done daily. But thorough or deep cleaning needs a lot of time to get the job done.

Many offices don’t work on weekends. It’s the perfect time to remove stains from carpets and floors, take care of upholstery, and clean windows. 

On weekends, you not only tackle regular maintenance but you also take care of bigger problems. This is the time to pay attention to every corner of your office premises.

Cleaning During Business Hours

Don’t let things smelly garbage cans, smelly restrooms, or dirty break rooms ruin your business. Workplaces that get messy more often with a lot of traffic, food stains and piles of garbage can’t wait till evening or morning to be cleaned. 

You need janitors working around and clearing all the mess now and then. Don’t hesitate to hire a commercial cleaning company to help you with the task. 

Your cleaning company should assign you with a daily janitor to take care of such cleaning tasks. This way, they won’t …

Back office tasks are usually not the most exciting part of owning and running a business. However, they are extremely important. Without those tasks being completed regularly and accurately the business could crash and burn. This is why more and more companies are hiring back office jobs out. Although it adds another expense, the benefits pay off in the long run.

Save Money

Hiring out taxes, payroll and bookkeeping, can actually end up saving the business money. This is because payroll and bookkeeping companies hire experts in their field. A payroll company knows how to set up and pay payroll taxes Western PA on time, avoiding any costly fees and penalties. Bookkeepers will identify checks that don’t clear the bank, monthly payments that may forget to be made and even duplicate charges in bank accounts. By using a bookkeeper and payroll service, company books will be clean, saving a CPA time when filing year-end taxes.

Save Time

Owners should be focused on how to grow their business, not minute details such as entering receipts into Quickbooks. By hiring a trusted company to handle the back office details, owners can then target big picture goals like marketing, customer service and expansion. Time is everything when it comes to running a profitable company. One of the biggest complaints of owners is the lack of time they have. By taking back-office tasks off their plate, they can contribute to other more profitable areas of the company.

Less Turnover

It takes time and money to train staff members to complete payroll, file taxes and keep clean books. If that trained staff member leaves, then a new hire will need to be trained all over again. This can make a mess of the financials. It is extremely important that financial records are correct and consistent. When there is a revolving door of people with their hands in financial records, mistakes are going to happen. When bookkeeping and payroll are hired out, business owners do not need to be concerned with a new person learning the books.…