Category Archives: Family and Relationship

Now Secure Your Extended Family With A Comprehensive Family Health Insurance Policy

Now Secure Your Extended Family With A Comprehensive Family Health Insurance Policy

Many health insurance policies in the country come with multiple restrictions. You cannot be insured if you are above the age of 60, your benefactor must be immediate family and the family insurance will cover only your spouse and kids and so on. The very purpose of security and comfort is lost with these restrictions.

However there is good news for all joint families and even nuclear families with ageing parents. Most reputed insurance providers now have a comprehensive family health insurance policy that covers not only the couple and their kids but also the main insurers parents, in laws and other relatives.

In most families, particularly in India there is one main bread winner and a number of people he needs to support. Regular insurance policies on one hand, do not give the main earning member the option of covering his entire family who he supports otherwise. He will need to buy individual insurance policies for each of his family members, including his parents and other dependents like unmarried sisters or unsettled brothers. This will not only turn out more expensive but will also be inconvenient. A comprehensive policy on the other hand will be inexpensive and will cover the entire family at one go.

The Benefits of a Comprehensive Family Plan – At a Glance

Cost Effective When you compare the cost of premium that is incurred on multiple individual health policies over the cost that you pay for a family health policy, you will be able to realize the significant savings your family is making. Furthermore, with a chance to include coverage for your parents and in-laws; your payout towards the premium comes to an even lower average.

Larger Coverage- A family health insurance policy that covers your extended family can be used to clear hospital bills of any one member up to the total sum insured. Since it is not necessary that the amount must be divided equally among the family members, each member of the family is able to enjoy a larger coverage at a lower cost.

Beneficial in Terms of Emergency- In case of large family emergencies where more than one person falls ill at the same time, a complete family policy can prove to be a great boon. You need not run from pillar to post trying to claim insurance on different family members; hereby saving you tons of time and money and consequently ensuring the best care for every member in your family.

A comprehensive family policy that also covers extended family is perfect for big families and for young couples living with their children and parents or for married women whose parents have nobody else but their daughters family to depend upon.


Acca Certified Manual J Load Calculation Inputs For A Single-family House

Acca Certified Manual J Load Calculation Inputs For A Single-family House

It seems like every single day Savoy Engineering Groups telephone rings with contractors who have just learned that their municipality now requires an ACCA Certified Manual J8 load calculation. These hard-working individuals are intimitaded by the new IECC requirements that are sweeping the US.

After having completed over 3000 Manual J projects that have been submitted to LEED, EnergyStar and numerous permit offices, Savoy Engineering Groups wants to let you, the homeowner, know that the ACCA Certified Manual J process is involved, but should not scare you.

Let us look at what are the required inputs for a Single-Family House when you see cooling equipment must be sized by an ACCA Certified Manual J8 load calculation following ASHRAE Handbook of Fundamentals.

Exact Building Orientation must be used instead of worse-case scenerio. Building Orientation can have a large impact on room loads depending on the time of day and season.

Winter/Summer Indoor/Outdoor design temperatures. IECC recommends 72 F heating, 75 F cooling. Outdoor design temperatures are based on ASHRAE weather tables and geographical location.

Sensible Heat Ratio is the sensible/latent split for the total equipment load. Most municipalities use a 70/30 sensible/latent split or 0.70

How tight is your House? For new construction, average or semi-tight is the proper selection. SIP and ICF buildings is tight, while older construction are semi-loose or loose. Does your residence have a fireplace?

How many people and appliances in your home? ASHRAE recommends # of bedrooms + 1. Is your home mechanically vented? ASHRAE recommends not to exceed 0.35 ACH.

Where is your Duct located? Ductwork located outside the thermal envelope will have duct gains and losses. The amount depends on whether its a crawlspace, basement, garage or unconditioned attic. Ductwork located inside the thermal envelope should not have duct gains and losses. Also duct length is important.

Window losses and gains are critical. Do you have single- or double-pane glass? Do you have insect screens, interior shading, overhangs? What about skylights?

Walls, ceiling and floors all have thermal losses and gains. Is your wall masonary or frame? Is your roof flat or sloped? Light or dark shingles? What about walls next to a garage? The roof floor above a garage or basement? Use the exact, relevant materials in calculating the Manual J load analysis.

A good quality set of houseplans begins the ACCA Certified {Manual J8 process. The more accurate the data received by your Manual J8 engineer, the more accurate your HVAC load calculation. Make sure your HVAC Manual J provider is qualified, is using ACCA certified software, isnt over diluted (does ten other things besides Manual J load calculations, has easy to understand pricing and ACCURATE!