Business policies claims exclusions
Many business policies explicitly exclude claims implied by pandemics. For example, Inovio Pharmaceuticals, which specializes in infectious disease research, reported that it spent US$10 million on flu treatment this season; if a case were to arise, Inovio would probably pay the bill and the hospital to treat it. Not pandemic, not the whole world Most experts consider pandemic coverage an “extra” payment – as in, an unusual circumstance, in which insurers expect to pay significantly more.
But the claims add up: The CDC paid more than $15 billion in the five-year period from 2004 to 2008 for around 2 million policies, only 10 percent of which included pandemic exclusions. And some experts estimate that the cost of pandemic flu coverage would be even higher, given the more dangerous pandemics that might emerge in the future. For these reasons, flu experts think it’s crazy to pay $9.99 for a $24 annual policy.
Typically, that cost will be offset by the relatively small premium for a non-pandemic policy. The ratio of premium cost to loss is between 1.4 and 2.0, and the “spread” between the two could be anywhere between $0 and $400 per policy. There are a number of cases where these extra costs make insurance “insurance” in the traditional sense almost unprofitable. Theoretically, it could even be made so unprofitable as to make pandemic insurance effectively meaningless.
For example, policies for an average hospital hospitalization cost US$4 million, and the average primary care office visit costs about US$74. If an illness can cause death, a policyholder is still responsible for paying a very high deductible in order to obtain a policy (as high as $5,000 for catastrophic coverage in some cases), and also incurs additional medical costs. Most medical bankruptcies result from medical expenses.
Insurers are widely accused of insuring against future risk by neglecting to adequately budget for emerging infectious diseases, as the case of SARS illustrates. But this raises questions about the true value of cover, since any pandemic would overwhelm the system. Concerns about a new pandemic have escalated in recent months, after a scientist in Boston linked this winter’s deadly flu outbreak to the arrival of a new, deadly strain of the H7N9 bird flu virus.
The Affordable Care Act's health insurance mandate included a measure to force insurers to cover the services, but insurers complained that it was onerous and expensive to keep that coverage in force. How to stay healthy “Antibiotic resistance is something that needs to be managed proactively. You don’t wait until you have an infection to take action.” Antibiotic-resistant infections are a serious global health problem, causing more than 2 million illnesses and 23,000 deaths annually.
Meanwhile, as Ian S. Kemp notes, there is an actual pandemic looming, influenza, which kills millions of people every year. Yet insurers still have policies that don’t cover it. Most businesses cannot give workers access to the worst pandemic scenario. How, then, should employers prepare for it? First, they must know the risk of pandemic happening. How likely is it? Do we have a vaccine? What countries will it kill the most people? It kills about 4% of those infected, mostly in Asia.
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Mike Ghouse is a Muslim Speaker, thinker, writer, organizer and an activist committed to building cohesive societies with a belief that what is good for Muslims has got to be good for the world and vice versa to sustain peace, harmony and prosperity.
The dearth of Muslims to speak up for the moderates has been a major problem in the society; it has created an imbalance in creating stereotypical images of Muslims. To the American public if the guy is not wearing a beard, head covering or the Muslim garb, he is not a ‘full' Muslim, even Muslims have fallen into that trap – if the guy does not max out using Arabic words he is not Muslim enough. What a shame that a Muslim has been reduced to his appearance rather than his message.
A majority of Muslims do not wear beard, or head coverings or the Muslim garb, indeed, there is no such thing as a Muslim garb. It was a blessing to break the stereotypes and Mike was one of the first few Muslims who went on national TV. He looked like an average Muslim Teacher, Engineer, Doctor, Lawyer, Accountant, Administrator, Waiter, Driver or another professional that they can relate with.
Mike has appeared in over 300 shows on TV and Radio, and about 150 times on Fox News and over 100 times with Sean Hannity. He has published over 3000 articles and about a 1/3rd on Pluralism, a third on Islam and the rest on a variety of topics. Bulk of the writings is published by Dallas Morning News, Huffington Post, Op-ed News and others.
Mike Ghouse is committed to building cohesive societies and offers pluralistic solutions to media and to the public on important and complex issues of the day and is available to speak in a variety of settings such as schools, seminars, conferences, and places of worship, work place, graduations ceremonies and home gatherings. He welcomes all questions and will address the fears many have about Islam.
God loves his creation and does not exclude anyone from his mercy and kindness and adds that he has sent a peace maker, messenger or a prophet to every tribe and nation, indeed no one is deprived of his love. The Quran lays it out very well in Surah Al-Hujurat 49:13: “O mankind! We have created you male and female, and have made you nations and tribes that ye may know one another. The noblest of you, in sight of Allah, is the best in conduct. Allah Knows and is Aware.”
God has intentionally created diversity; each one of us has a unique identity with our own thumb print, eye print, DNA and other uniqueness. If we can learn to respect and accept the God given uniqueness of each one of us, then conflicts fade and solutions emerge. God in Quran makes it absolutely clear that no one is to judge the other in matters of faith, only he, he alone is the judge and not today, but on an elusive Day of Judgment.
Mike's Mission is to work for a world of co-existence through inclusiveness and participation. Speaking about the World Muslim Congress, the organization he manages, he adds, “As a member of diverse family of faiths, our efforts will be directed towards justice and equity to attain peace for the humankind with a firm grounding in commonly held values. We cannot have advantages at the cost of others. Such benefits are temporary and deleterious to lasting peace. We believe what is good for Muslims has got to be good for the world, and vice versa, to sustain it.
The Center for Pluralism champions the idea of co-existence by respecting and accepting the otherness of those different from ourselves. The World Muslim Congress is committed to nurturing the pluralistic ideals embedded in Islam, many are not aware that Islam teaches Pluralism. Heavily involved in both, Mike Ghouse is committed to building cohesive societies and has produced outstanding public events to bring Americans together of different religions, ethnicities and races on common grounds of building a safe and secure America.
In defense of Islam, pursuing a civil dialogue
By Steve Blow firstname.lastname@example.org Published 19 September 2010 02:28 AM
Over and over you hear it said: If Muslims oppose terrorism, why don’t they stand up and say it?
If that has been you, Mike Ghouse ought to be your hero.
It is hard to imagine that anyone has worked harder than the Carrollton resident to demonstrate the peaceful and moderate side of Islam.
And that effort includes personally visiting Dallas’ First Baptist Church last Sunday just to put a friendly face on the “evil, evil religion” that the Rev. Robert Jeffress denounced a few weeks before.
“It was wonderful,” Ghouse said of the visit. “We were so warmly received.”
He hopes a quick chat with Jeffress will be the start of deeper discussion about Islam and the importance of respect between religions.
“I want to have a dialogue with him, not to say he is wrong but to share another point of view,” Ghouse said.
The 57-year-old Muslim was born in India and has lived in the United States for 30 years. He owns a small property management firm. But most of his day is devoted to building bridges between people of different faiths.
“It is my passion,” he said in his distinctive raspy voice.
He has been a guest a dozen times on Sean Hannity’s TV and radio talk shows. “I don’t like the way Sean cuts me off, but I have to honor him for giving the American public a semblance of another point of view.”
Ghouse said he can understand fear and criticism of Islam because he went through a time of similar feelings. As a teen, he was troubled by passages of the Quran. He called himself an atheist for a while.
But he said deeper study led him to realize the Quran had been purposely mistranslated down through history.
In the Middle Ages, European leaders commissioned a hostile Quran translation to foster warfare against Muslim invaders.
Later, Muslim leaders produced another translation to inflame Muslims against Christians and Jews.
“It was all for politics,” he said.
Ghouse said he hopes to present Jeffress with a modern, faithful translation and challenge him to find evil verses.
“If he can, I will convert. I will join his church,” Ghouse said. “If he can’t, I will call on him to retract his statements and become a peacemaker.”
Ghouse acknowledges that deep problems persist within Islam. “Three steps forward, two steps back,” he said with a sigh.
And he agrees that mainstream Muslims have not done enough to counter violent images of their faith.
“That is very true,” he said. “But part of it is that many Muslims have given up hope that we will ever be heard.”
He said repeated denunciations of terrorism seem to fall on deaf ears.
And some efforts have backfired – like the proposed Islamic information center in New York. He said it should be hailed for furthering the moderate Muslim cause.
Instead, it has deepened hostility toward Muslims.
I have been astounded by the amount of anti-Islam propaganda that circulates via e-mail. Tons of it has come my way in the last few weeks.
One theme is that people like Mike Ghouse can’t be trusted, that Islam encourages deception.
But Ghouse says actions speak louder than words. And he points to elections in Muslim nations.
More than half of Muslims live in countries with some degree of democracy. And time and time again, Islamist parties are overwhelmingly rejected in favor of secular, mainstream parties.
“The religious parties don’t get more than 3 percent of the vote,” Ghouse said.
Polls show deep mistrust of Muslims. “But the most important question in those surveys is: ‘Do you know anything about Islam?’ ” Ghouse said. “Most people say no.”
What keeps him going is faith in Americans, he said.
“The majority of Americans, if they know the truth, they will change their minds.”
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Mike Ghouse is a speaker, writer, thinker, futurist and an activist of Pluralism, Islam, India and Civil Societies passionately offering pluralistic solutions on issues of the day.
He is a frequent guest at Fox News on the Hannity show, nationally syndicated Radio shows along with Dallas TV, Print and Radio networks and occasional interviews on NPR. He has spoken at international forums including the Parliament of Worlds Religions in Melbourne, Middle East Peace initiative in Jerusalem, International Leadership conference in Hawaii, Washington and elsewhere.
Concerned by the divisiveness, he saw the need to bring Americans together and founded America Together Foundation committed to building a cohesive America, indeed it is in response to ACT America which is bent on pitching one American against the other. We will be holding series of educational programs, conferences and workshops to address the issues that divide us such as Civil Right, GLBT, Quraan, Abortion, anti-Semitism, Islamophobia, Racial Profiling and Stereotyping.
The Annual Unity Day USA is in its 7th year now, it is a purposeful event to bring Americans together, on this Unity Day, we the people of the United States of America of every faith, race, ethnicity, culture and background will gather to express our commitment to co-existence, unity, prosperity and wellbeing of our nation.
Thanksgiving Celebration is in its 15th year showcasing cultural diversity.
The 5th Annual Reflections on Holocaust and Genocides is to learn and to acknowledge and reflect upon the terrible things we have inflicted upon each other and commit to avert such tragedies. Through this event non-Jewish people have consciously learned about Holocaust for the first time, it was also for the first time that people of 14 faiths came together to join in to commemorate the Holocaust that commemorated within the Jewish Community for years. They are not alone anymore in their anguish, we are all in it together with them, and it is a Muslim initiative to effect a positive change.
The programs, seminars and workshops conducted by the Foundation for Pluralism have become a part of the America Together Foundation. While the Foundation for Pluralism continues championing the idea of co-existence through respecting and accepting the otherness of other, the commitment to nurturing the pluralistic ideals embedded in Islam through the World Muslim Congress continues.
Two books will be released this year; The American Muslim Agenda and My Journey to Pluralism.
Mike has written over 1000 Articles on Pluralism, Islam, India, Peace & Justice and civil societies published in a wide spectrum of Newspapers and Magazines around the world.
Locally, he is a panelist at Dallas Morning News’s and writes weekly on a range of issues facing the nation. Washington Post, Huffington Post and other news papers and sites regularly publish his work.
Mike is available to speak on Pluralism, Islam, Civil Societies, and Peace & Justice at your place of worship, school, work place, seminars, workshops or conferences. His work is reflected at three websites & twenty two Blogs listed at http://www.MikeGhouse.net/