Wednesday, April 4, 2012

Protect Your Future Too: Health Insurance for Field and ...

Photo: Guide Ulli Braun in Brazil's Pantanal

Those who work in remote locations like Brazil's Pantanal may want to look into special insurance coverage. Photo: Brian Clark Howard

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By Allen Tellis

Environmental workers are doing very important things in today?s changing world. It can be hard and dangerous work to relocate to remote locations, which can have myriad problems such as disease and an unfriendly environment.

Because of this risk, it?s often difficult to find good, low-priced health insurance for those who work in the field. One of the main problems is that usual types of workplace health insurance don?t cover unforeseen problems that might happen to an environmental worker in these different locales. It would be difficult for any individual health insurance company to be able to make all the exceptions due to the many risks.

Another disadvantage is the perceived legitimacy of this type of workplace as seen through the eyes of health insurance companies. They?re in the business to first and foremost stay in business and environmental work can be tenuous as well as low paying, if there is any payment at all. Many environmental workers have a true passion and belief in the work they?re doing. This can mean others will assume they may place themselves in harms way for the sake of saving endangered locations.

There is light at the end of the tunnel for environmental health insurance, however, and the internet helps you to find it very easily. Environmental insurance allows codicils (amendments) for these long-distance locations, with protective liability insurance for damages such as accidents, contamination of water and air, and other risks pertaining to hazardous areas.

When researching these companies, you?ll find that many of them place urban environmental insurance at the top, as it is the main type of coverage qualifying for the workplace. When searching for environmental health insurance specifically, look for ?agribusiness? or ?remediation.? While agribusiness may be closely related enough, it still may be too specific, and remediation contractors cover most aspects of reversal or stopping of damage, which often can pertain to the environment as well.

For the specifics of health insurance coverage in this area, you might seek an environmental risk management firm or environmental advocate group for sound advice. They will be able to give you an idea of what to expect when searching for the best health insurance at the lowest prices.

While preventing further damage to our rainforests and other remote areas is an important job, you must be well prepared before embarking to protect your own future as well.

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