University of Tübingen

Eberhard Karls University, Tübingen  is a public research university located in the city of Tübingen, Baden-Württemberg. It is one of Germany's most famous and oldest universities, internationally noted in medicine, natural sciences, and the humanities. 

In the area of German Studies (German: Germanistik) it has been ranked first among all German universities for many years, and is known as a centre for the study of theology and religion. 

Tübingen is one of five classical "university towns" in Germany; the other four being Marburg, Göttingen, Freiburg and Heidelberg. The university is associated with some Nobel laureates, especially in the fields of medicine and chemistry.

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University of Freiburg

The University of Freiburg  sometimes referred to with its full title, the Albert Ludwig University of 

Freiburg, is a public research university located in Freiburg im Breisgau, Baden-Württemberg, Germany.

The university was founded in 1457 by the Habsburg dynasty as the second university in Austrian-Habsburg territory after the University of Vienna. Today, Freiburg is the fifth-oldest university in Germany, with a long tradition of teaching the humanities, social sciences and natural sciences. 

The university is made up of 11 faculties and attracts students from across Germany as well as from over 120 other countries. Foreign students constitute about 16% of total student numbers.

Named as one of elite universities of Germany by academics, political representatives and the media, the University of Freiburg stands amongst Europe's top research and teaching institutions. With its long-standing reputation of excellence, the university looks both to the past, to maintain its historic academic and cultural heritage, and to the future, developing new methods and opportunities to meet the needs of a changing world. 

The University of Freiburg has been home to some of the greatest minds of the Western tradition, including such eminent figures as Martin Heidegger, Hannah Arendt, Rudolf Carnap, David Daube, Johann Eck, Hans-Georg Gadamer, Friedrich Hayek, Edmund Husserl, Friedrich Meinecke, and Max Weber. In addition, 19 Nobel laureates are affiliated with the University of Freiburg and 15 academics have been honored with the highest German research prize, the Gottfried Wilhelm Leibniz Prize, while working at the University of Freiburg.

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Western Governors University

Western Governors University, a private, nonprofit, on-line university, utilizes a competency-based learning model, with students operating on-line in coordination with college mentors. Western Governors University provides over forty on-line bachelor’s and master’s degree programs.


The governors of nineteen western states established Western Governors University with the help of National Center for education Management Systems and therefore the Western Commission of upper Education. Western Governors University, that utilizes on-line education to produce students cheap education, has students from all fifty states.

Western Governors University includes the WGU on-line normal school, the net school of Business, the net school of knowledge Technology, and therefore the on-line school of Health Professions.

Student mentors guide students in their work. they assist students continue track and complete their categories on time. Course mentors, UN agency square measure consultants in their various subjects, answer specific queries students have relating to work. They conjointly tutor students. Mentors communicate with students by phonephone, through internet conferences, or via email.

Program college members don't teach classes; rather, they utilize their educational experience to collaborate with educational councils on planning and developing courses of study. Program college members work with course mentors and student mentors to confirm students take full advantage of their academic opportunities. Western Governors University receives enfranchisement from the Northwest Commission on schools and Universities.

Western Governors University has received a lot of recognition for its glorious add on-line education. The university usually receives attention in articles regarding the challenges and success of providing education via the net in outstanding medium retailers, together with USA these days, Huffington Post, and therefore the la Times.

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Brandman University

Brandman University, a noncommercial, non-public university, focuses on adults. the college has over two hundred degree, credential, certificate, and skilled programs within the fields of business, education, arts and sciences, and health. Brandman University may be a separate university at intervals the Chapman University System. Brandman University uses the perfect (Instructional style for Engaged Adult Learning) program model.


Brandman University provides degree programs via four Schools: Education; Nursing and Health Professions; Arts and Sciences and Business and skilled Studies. Brandman University receives enfranchisement from the Western Association of faculties and faculties.

G.I. Jobs Magazine acknowledges Brandman University as a military-friendly faculty. Brandman University has field on many military bases. The university conjointly includes a Veterans2College program, that serves military personnel, their spouses, and veterans.

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Brenau University

Brenau University, a private, not-for-profit, university set in town, Georgia, encompasses a humanities tradition. Brenau University includes four colleges: Health & Science, Fine Arts & Humanities, Business & Mass Communication, and Education.


The on-line faculty of Brenau University provides a spread of online college boy and graduate degrees in areas like structure leadership, business administration, human resources management, education, and nursing. The university additionally offers on-line certificates. Students area unit needed to attend all their on-line courses 5 to seven days each week.


Princeton Review named Brenau University one amongst the simplest universities within the Southeast, while U.S. News & World Report hierarchic Brenau University as #49 within the 2014 edition of its Best schools in Regional Universities (South).

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Everglades University

Everglades University, a private, not-for-profit university, offers a range of on-line bachelor’s and master’s degrees in areas like practice of medicine, business administration, aviation management, applied management, aviation science, and entrepreneurship. 

Graduates of the web programs acquire a similar course credits and degrees as students World Health Organization complete equivalent categories and programs on field.


The school’s mission includes providing quality education to adult learners of numerous backgrounds in a very cooperative atmosphere wherever every students has the chance to attain personal growth.

Everglades University may be a member of various prestigious associations and societies.

The Commission on schools of the Southern Association of schools and colleges provides certification.

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University of Rostock

The University of Rostock (or Rostock University, German: Universität Rostock) (German pronunciation is the university of the city Rostock, in the German state of Mecklenburg-Vorpommern.
Founded in 1419, it is one of the oldest universities in the world – and the oldest and largest university in continental northern Europe and the Baltic Sea area. It is the third oldest university in Germany in continuous operation. The university has also been associated with 5 Nobel Prize laureates. In winter semester 2013/14, 14,417 students were matriculated at Rostock University.

It was founded in 1419 by confirmation of Pope Martin V and thus is the oldest university in Northern Europe.
In Germany, there are only five universities that were founded before, while only Heidelberg and Leipzig operated continuously since then: Heidelberg (1386), Cologne (1388), Erfurt (1392/1994), Würzburg (1402/1582) and Leipzig (1409). That makes Rostock University the third oldest German university in continuous operation.
Throughout the 15th century, the University of Rostock had about 400 to 500 students each year, a large number at that time. Rostock was among the largest universities in Germany at the time and many of its students also came from the Low Countries, Scandinavia or other states bordering the Baltic Sea.
In the course of political struggles and pressure from the church, the university moved to Greifswald in 1437 and remained there until 1443. From 1487 to 1488 teaching took place in Lübeck.
A few years later the city of Rostock, its university also became Protestant in 1542. Humanism and Lutheranism were defining characteristics of the university. After the Thirty Years' War (1618–1648), the University of Rostock played only a regional role. When the "ownership" of the university moved from the city to the state (Grand Duchy of Mecklenburg-Schwerin
) in 1827, however, things changed for the better. The end of the 19th century saw generous building activity in Rostock's alma mater and the university soon regained its old reputation amongst German universities.

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University of Greifswald

The University of Greifswald is a publicresearch university located in Greifswald, Germany, in the state of Mecklenburg-Vorpommern.
Founded in 1456 (teaching existed since 1436), it is one of the oldest universities in Europe, with generations of notable alumni and staff having studied or worked in Greifswald. As the fourth-oldest university in present Germany, it was temporarily also the oldest university of the Kingdoms of Sweden (1648–1815) and Prussia (1815–1945), respectively. Approximately two thirds of the 12,000 students are from outside the state. Due to the small-town atmosphere, the pronounced architectural presence of the alma mater across town, and the young, academic flair in the streets, Greifswald is often described as a "university with a town built around it" rather than a town with a university.

The University of Greifswald was founded on 17 October 1456 with the approval of the Holy Roman Empire and the Pope. This was possible due to the great commitment of Greifswald's lord mayor, Heinrich Rubenow, who was also to become the university's first rector, with the support of Duke Wartislaw IX of Pomerania and Bishop Henning Iven of the local St Nicolas' Cathedral. The founding took place in the local cathedral, which was later remodeled byCaspar David Friedrich and his brother and can still be visited today. The founding of the university was made possible by a decree that restricted teaching activity at the University of Rostock (founded 1419). Several professors left Rostock for Greifswald to continue their work there, where Heinrich Rubenow took the chance of establishing his own university. Originally, the university consisted of the four traditional divisions: Theology, Philosophy, Medicine and Law.

In Germany, there are only three older universities by count of the years of existence: the University of Heidelberg (established 1386), theUniversity of Leipzig (1409), and the University of Rostock (1419).

International co-operation with other institutions of higher

education in northern Europe existed already in the earliest years, sparked and accelerated by the transnational trading network Hanse. From 1456 until 1526, 476 Scandinavians were enrolled at Greifswald University and 22 faculty members as well as six rectors came from Scandinavia. This was a relatively high percentage compared to the total number of students at the time. Sources suggest a relatively segregated life of Swedish students in the primarily German university though. The early sixteenth century saw significant co-operation of the university, the Lutheran church, the city and the Duchy of Pomerania. Professors of theology simultaneously served as pastors in the three cathedrals. Professors of medicine usually served as personal physicians of the duke. Professors of law where also working at the local courts while professors of the faculty of philosophy usually taught the sons and daughters of the ducal family. The landed nobility also funded university-related purposes such as scholarships and student bursaries.

The Reformation was introduced at the university in 1539. Johannes Bugenhagen, an alumnus of the university, was an important figure during the German and Scandinavian reformation as well as a good friend of Martin Luther. After the secularisation of the monastery at Eldena near Greifswald, Duke Philipp I of Pomerania gave all revenue created by the now secularised Amt Eldena to the university. His successor, Duke Ernst Ludwig, began the construction of a college building, which could only be completed after his death. Duke Philipp Juliuspresented the university agown that was used by the rector on ceremonial occasions up until very recently.

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Vehicle insurance

Vehicle insurance (also known as, GAP insurance, car insurance, or motor insurance) is insurance purchased for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise there from the specific terms of vehicle insurance vary with legal regulations in each region. To a lesser degree vehicle insurance may additionally offer financial protection against theft of the vehicle and possibly damage to the vehicle, sustained from things other than traffic collisions.

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Life insurance

Life insurance (or commonly life assurance, especially in the Commonwealth) is a contract between an insured (insurance policy holder) and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money (the "benefits") in exchange for a premium, upon the death of the insured person. Depending on the contract, other events such as terminal illness or critical illness can also trigger payment. The policy holder typically pays a premium, either regularly or as one lump sum. Other expenses (such as funeral expenses) can also be included in the benefits.

Life policies are legal contracts and the terms of the contract describe the limitations of the insured events. Specific exclusions are often written into the contract to limit the liability of the insurer; common examples are claims relating to suicide, fraud, war, riot, and civil commotion.

Life-based contracts tend to fall into two major categories:

• Protection policies – designed to provide a benefit, typically a lump sum payment, in the event of specified event. A common form of a protection policy design is term insurance.
• Investment policies – where the main objective is to facilitate the growth of capital by regular or single premiums. Common forms (in the U.S.) are whole life, universal life, andvariable life policies.

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Agricultural insurance (CROP INSURANCE)

Crop insurance is purchased by agricultural producers, including farmers, ranchers, and others to protect themselves against either the loss of their crops due to natural disasters, such as hail, drought, and floods, or the loss of revenue due to declines in the prices of agricultural commodities. The two general categories of crop insurance are called crop-yield insurance and crop-revenue insurance.

• Crop-yield insurance: There are two main classes of crop-yield insurance:
  • Crop-hail insurance is generally available from private insurers (in countries with private sectors) because hail is a narrow peril that occurs in a limited place and its accumulated losses tend not to overwhelm the capital reserves of private insurers. In early 1820s, crop-hail insurance were available to farmers in France and Germany. That is among the earliest forms of hail insurance from an actuarial perspective. It is possible to implement the hail risk into financial instruments since the risk is isolated.
  • Multi-peril crop insurance (MPCI): Coverage in this type of insurance is not limited to just one risk. Usually multi-peril crop insurance offers hail, excessive rain and drought in a combined package. Sometimes, additional risks such as insect or bacteria-related diseases are also offered. The problem with the multi-peril crop insurance is the possibility of a large scale event. Such an event can cause significant losses beyond the insurer's financial capacity. To make this class of insurance, the perils are often bundled together in a single policy, called a multi-peril crop insurance (MPCI) policy. MPCI coverage is usually offered by a government insurer and premiums are usually partially subsidized
    
     by the government. U.S. Department of Agriculture is known to implement the earliest Multi Peril Crop Insurance program in 1938. Federal Crop Insurance Corporation managed this multi-peril insurance program since then. The Risk Management Agency (RMA) is active in calculating the premiums based on individual risk factors since 1996.
• Crop-revenue insurance: Crop-yield times the crop price gives the crop-revenues. Based on farmer's revenues, crop-revenue insurance is based on deviation from the mean revenue. RMA uses the futures prices on harvest-times listed in the commodity exchange markets, to determined the prices. Combining the future price with farmer's average production gives the estimated revenue of the farmer. Accessing the futures market offers enables revenue protection even before the crop planted. There is a single guarantee for a certain number of dollars. The policy pays an indemnity if the combination of the actual yield and the cash settlement price in the futures market is less than the guarantee. In the United States, the program is called Crop Revenue Coverage. Crop-revenue insurance covers the decline in price that occurs during the crop's growing season. It does not cover declines that may occur from one growing season to another.

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Health insurance in the United States

The number of persons without health insurance coverage in the United States is one of the primary concerns raised by advocates of health care reform. A person without health insurance is commonly termed uninsured (regardless of insurance of objects unrelated to health), and this article uses the term in this sense as well.

Multiple surveys indicate the number of uninsured has fallen due to expanded Medicaid eligibility and health insurance exchanges established due to the Patient Protection and Affordable Care Act, also known as PPACA or "Obamacare". These changes took effect January 1, 2014. The Commonwealth Fund reported in July 2014 that an additional 9.5 million people aged 19-64 had obtained health insurance, roughly 5% of the working-aged population. Gallup reported in July 2014 that the uninsured rate among adults 18 and over fell from 18.0% in Q3 2013 to 13.4% by Q2 2014. Rand Corporation had similar findings.

According to the United States Census Bureau, in 2012 there were 48.0 million people in the US (15.4% of the population) who

were without health insurance

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Universal health care

Universal health care, sometimes referred to as universal health coverage, universal coverage, oruniversal care, usually refers to a health care system which provides health care and financial protection to all its citizens. It is organized around providing a specified package of benefits to all members of a society with the end goal of providing financial risk protection, improved access to health services, and improved health outcomes.^[1] Universal health care is not a one-size-fits-all concept and does not imply coverage for all people for everything. Universal health care can be determined by three critical dimensions: who is covered, what services are covered, and how much of the cost is covered

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Health insurance in India

Health insurance in India is a growing segment of India's economy. In 2011, 3.9% of India's gross domestic product was spent in the health sector. According to the World Health Organisation (WHO), this is among the lowest of the BRICS (Brazil, Russia, India, China, South Africa) economies. Policies are available that offer both individual and family cover.

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European Health Insurance Card

The European Health Insurance Card (or EHIC) is issued free of charge and allows anyone who is insured by or covered by a statutory social security scheme of the EEA countries and Switzerland

 to receive medical treatment in another member state for free or at a reduced cost, if that treatment becomes necessary during their visit (for example, due to illness or an accident), or if they have a chronicpre-existing condition which requires care such as kidney dialysis. The term of validity of the card varies according to the issuing country.

The intention of the scheme is to allow people to continue their stay in a country without having to return home for medical care; as such, it does not cover people who have visited a country for the purpose of obtaining medical care, nor does it cover care, such as many types of dental treatment, which can be delayed until the individual returns to his or her home country.

It only covers healthcare which is normally covered by a statutory health care system in the visited country, so it does not render travel insurance obsolete.

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Health insurance

Health insurance is insurance against the risk of incurring medical expenses among individuals. By estimating the overall risk of health care and health system expenses, among a targeted group, an insurer can develop a routine finance structure, such as a monthly premium or payroll tax, to ensure that money is available to pay for the health care benefits specified in the insurance agreement.

The benefit is administered by a central organization such as a government agency, private business, or not-for-profit entity. According to the Health Insurance Association of America, health insurance is defined as "coverage that provides for the payments of benefits as a result of sickness or injury. Includes insurance for losses from accident, medical expense, disability, or accidental death and dismemberment"

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