1. ASK THE EXPERTS.
- Author
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Mihm, Uta, Graham, Daniel, and Ciaramidaro, Rebecca
- Subjects
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COVID-19 pandemic , *HOSPITALIZATION insurance , *HEALTH insurance , *RETAIL industry , *ELECTRONIC commerce - Abstract
This article from Choice magazine features a Q&A format where readers ask questions on various topics and experts provide answers. The first question is about health insurance and the maximum Lifetime Health Cover (LHC) loading. The expert explains that there is a 2% surcharge for every additional year without cover, and advises the reader to contact their old insurer for a clearance certificate to correctly calculate the LHC. The second question is about finding a reliable contents insurance calculator, and the expert suggests using the one provided by the insurer or manually estimating the replacement cost of valuable items. The third question is about the safety of non-stick pans and non-toxic alternatives. The expert explains that non-stick pans made with Teflon are safe at lower heats, but there are concerns about toxins released at higher heats. Ceramic pans marketed as free from chemicals like PTFE and PFOA are suggested as non-toxic alternatives. The final question is about the legality of a company asking for full payment before carpet installation. The expert refers to the Australian Consumer Law and advises the reader to negotiate a fair and appropriate fee based on the guidelines provided. [Extracted from the article]
- Published
- 2024