Application for Insurance Form

First thing first “Finalizing the Visa Consulate”:If you are planning to tour more than two countries in the Schengen area then apply for visa to the embassy/consulate of the country you will be residing in for most of the travelling days, often referred as the main destination. If two countries have the same number of days then choose the one where you are planning to land or exit.In case you do not have a fixed itinerary (not recommended, though), and you plan to visit several countries in the Schengen area randomly, then apply to the embassy/consulate of the country which you are entering first.Since now you know which embassy you need to apply, next is how to apply and what are the documents required.Long trail of documentation:The most painful part is this, where you need to prepare the documentation. I will keep the checklist simple and provide rationale on why they ask for the particular document which will help you understand the significance of it and you can produce a substitute, if possible and required1) Valid passport (issued within the last 10 years and with at least 3 months validity after the scheduled return; passports with observations regarding the front data page are no accepted) with at least two empty pages Nothing much to say, of course you need a valid passport. Since the maximum stay with a Schengen visa can be of 90 days, so 3 months validity is required on the passport. Two blank pages, because one will have Visa sticker and the other page will have Indian immigration stamps and the stamps from the Schengen country where you are landing and exiting.2) 2 passport pictures according to biometric specifications, not older than 6 months Go to the studio and get a photo of the dimension 35 mm in length and 45 mm in height. Your face (the start of the hairline in the forehead till end of your chin) should be between 32 mm to 36 mm. Get the photo in a light background, white is preferred. Detailed information can be obtained here Cheap Tip: Do not go to any fancy studio and spend a bomb on just the photo. The consulate needs a clean and clear photo with the above mentioned specifications (which are very general) and not for featuring you as a playboy model, so save the buck.3) Leave letter of your company (if employed)This letter serves as a proof of return to your own country, so make sure the letter clearly states your designation, since when you are working with the company, leave dates (mandatorily covering your entire stay), date on which you will resume your duties.No-objection certificate of school or university (if student) This is pretty much same as the above.4) Proof of financial status If employed:Payslips of the past three months / employment contract Provide either of them, not both. Provide three latest Payslips, as it clearly states how much you are earning and if you are capable of surviving a European trip. This document helps the Visa officer gauge your financial status and also validates that the money earned is legal.If self-employed:Certificate of Proprietorship or other proof of ownership (proof of land title, proof of income from agriculture (sales form) etc.) 5) Income Tax Return (ITR) form or Form 16(Certificate of Income Tax deducted at the source of salary)It ensures that all the fund in your bank account is earned legally. Though my experience is that, they hardly care how you have earned the money. If they see there is enough fund available in your account then they are fine.6) Personal bank statement of the past three months with sufficient fundsHere they look into couple of things; first, money in your account is sufficient to cover your entire stay in Schengen area during your travel period. Second, the fund has not been deposited all of a sudden to inflate the available balance. I have written below in detail on how much you should show in your bank account, so keep reading. The bank account statement can be online, but make sure it is a bank statement with details of transaction and not just an account summary. You can show travelers cards (with statement stating available balance), credit card statement, and fixed deposits in your name or joint accounts. If anyone is sponsoring you (like your father or mother), a sponsoring letter addressed to the consulate from him/her and his/her bank statement for last 3 months.7) Proof of accommodation for your entire stay in the Schengen area.This is vital, I have read and heard personal experiences where the Visa has been cancelled due to discrepancy in accommodation arrangements. Make sure you have confirmed hotel bookings with details of the property owner/manager and property details (address). If you are staying at friends/relatives place then copy of their passport (with valid residence permit, in case of non-EU citizen) and an invitation mail will be sufficient as long as you are sponsoring your own stay.8) Flight and transport reservation Again, very vital. Many applications got rejected because of fake bookings. DO NOT make a fake reservation. Search for flights which has minimal cancellation charges and book your flights well ahead of travel date (45-60 days prior) to get a good deal. If you are travelling within Schengen countries then it is advised to show them train/bus bookings for inter-nation travel. One need not show travel details within the country, say if you are travelling within Italy (Rome to Florence) then need not show prior bookings. But if you are travelling from Italy to Switzerland then it is advised to show a confirmed booking.9) Travel Insurance Vital to get visa and also for your own sake. If something unwanted happens and you need to avail medical services then you will be ripped off everything as healthcare is expensive in whole of Europe. The travel insurance must cover Euro 30, 000.00 in case of hospitalization and must cover emergency medical evacuation and repatriation of remains. The list of approved travel insurance companies can be fetched here.10) Proof of civil status Marriage certificate, birth certificate of children, death certificate of spouse, ration card if applicable or Aadhaar Card.11) 1 copy of your passport’s data page Print the first two pages and last two pages of your passport in an A4 size paper.12) Residency proof, if address in the passport falls outside the jurisdiction region of the consulate: Which consulate or which region you can apply? You can apply at the region (North, South, East or West) where you are residing for last 6 months.This is something none of the blogs available in the internet have mentioned clearly. In case you are a domicile of different region and applying at a different region (domicile of Uttar Pradesh, North and working in Bangalore, South for last 3 years), or simply if the address mentioned in your passport does not fall under the jurisdiction region of then consulate then you need to provide either a copy of your rent agreement, or a letter from your company HR clearly mentioning your address or some utility bill (electricity, water or telephone bill).13) Duly filled application form Kept at last, because it is important. You can either fill an online application (recommended) or also can fill an offline application. German consulate online application can be filled here , similarly other Countries’ application form can be found in the respective VFS website. Self-Declaration Form can be found here, required only for German consulate. It is recommended to fill the online application form, it not only saves time at the application center but also legibility is better than the handwritten one.14) Cover Letter A letter addressed to the consulate you are applying. It must contain the followingPurpose of visit (tourism, visiting friends or family)Detailed itinerary If you have a sponsorExplain your personal relationship with your sponsor and the reason why they will be sponsoring your tripIf you cannot submit any of the required documents, write about the reasons why you cannot submit and explain alternative documents that you may have submittedYou can also mention the reasons why you will not overstay the visa period (employment, personal assets, etc.), explain your rootedness to the countryCool Tip: You can attach the itinerary separately which will enhance the readability of your letter.Write to me at universallocalite@gmail.com if you require a specimen cover letter or template of itinerary, I will be more than happy to help you with one.Visit my blog-How to obtain a Schengen Visa-Rules and tips

I would say more than 90 percent if your entire documentation is correct and you don’t have any history in your passport. I have travelled to Europe twice since 2016 and my friends too keep travelling. Myself or even they have never faced any issue with schengen Visa.

I can completely relate to User’s answer, I am also more or less in the same situation, my parents sent me to Australia when I was a teenager for education purposes while they worked their arse off back home, now, my parents back then were typically lower middle class and strict Christian parents.Religion, My parents are both born again Christian and I was born Christian, I was baptised, went to church twice a week, I was indoctrinated to believe in God and to follow his teachings blindly, and after I turned 17 I realised how silly religion is, and became an atheist. Up until now I still struggle with my parents and I have some problems whenever this particular issue is brought up.There was no affection shown in my family, any typical Asian can attest that it’s not very common to see Asian parents show affection to each other or to the kids, I’ve never heard my parents say “I love you”, hug, kiss or hold hands. My parents almost never complimented me on anything, at most it was just “not bad, keep it up” and I never got a Christmas presents from them. This is just a little thing but I realised how this thing affected me as a person.No idea how to help in terms of handling paperwork, I had to handle all my own paperwork from school application, applying for my residency, visa, handle my own taxes, etc etc since I was a teenager.Sex education. It’s generally taboo to talk about sex openly in Asian household, my parents never taught me the importance of safe sex, contraception, STDs, etc, now that I think about it, it was quite risky to send their kid to a foreign country with the kid being clueless about sex. But thankfully I was able to learn on my own and not putting myself in a dangerous situation.Dating/marrying someone who’s not from my own race. They never understood this particular issue, they always thought that it’s always simpler and easier to have courtship with a person from a similar culture background, but they just didn’t realise that I involved culturally as well when they sent me abroad, so I wouldn’t say my culture is strictly all Asian. So, when they found out that I’m dating/marrying a white person, they were shocked and we had a bit of a rough patch but we managed to overcome it, and today my parents are very fond of my fiancée, like any other Asian parents, their love to my fiancée can be measured by how much food they are feeding her when we visit them.I was expected to survive on my own. Just like a baby bird being released from the nest for the first time, I was expected to be self reliant, they were not rich, they had to sell lots of things, I was given money for only limited amount of time and I had to support myself for the rest.But these things I’ve mentioned above are trivial, the thing that affected me the most was to see their hard work and support. The first time I ever understood the concept of “you have no idea how to appreciate what you have until you know how hard it is to earn one” was because of my parents, no matter how hard it was for me, they were always being supportive, as long as I was willing to do it wholeheartedly and not stop.Despite all the flaws and how clueless they were, they bent over backwards just to make sure I had something to eat, to make sure I could live another day. And for that, I am infinitely grateful and I wouldn’t change anything from my parents even if I had the chance, for me, they are perfect in every conceivable way.

Here are the 5 steps:Fill out an Application for Title or RegistrationEnsure all registered owners sign the formProvide proof of vehicle insuranceProvide smog or emission certificate (if applicable)Pay the feesI got this from YoGov’s blog post that says all this and gives the form links: Here's how to quickly register a vehicle in California - YoGov*I recommend checking out that post, because you can also make your DMV appointment right from that site and they’ll send you the registration checklist to you via email.

It’s very different than living in any other city I’ve lived in (Boston, Los Angeles, and San Francisco). Here are some unique things I noticed, in no particular order:Having 24-hour convenience stores for food and basic necessities makes life very… convenient.Trash and recycling needs to be thoroughly sorted by type (e.g. combustible, non-combustible, PET bottle etc…) before taken out on its designated day. Failure to sort your trash properly will result in your trash being put back on your doorstep :( I never figured out how they could tell whose bag of trash was whose.There aren’t very many public trash cans so you need to carry your trash around until you got home to dispose of it properly.Subways and buses are frequent and almost always run on schedule. Even a few minutes of delay can cause restlessness.Riding on the subway is very quiet. Chatting loudly and talking on your phone is discouraged.Sexual harassment on subways is not uncommon. During rush hour, busy subways lines usually provide a female only car.People won’t tell you if you’re in their way or inconveniencing them. If you’re blocking the “walk” side of an escalator, people usually just wait (impatiently) behind you until you notice and move.I always carried cash with me. A lot of local stores don’t accept credit card.You go to international supermarkets to buy American and European goods.Meat is expensive.Some areas are extremely hipster and very obsessed with coffee. (I guess this is not that different from cities I’ve lived in…)It’s almost always acceptable (and normal) to drink beer with dinner.Restaurants don’t serve wine often, but if they do, you can only choose between white or red. You only see wine selections at wine bars or high class restaurants.Usually only men go by themselves to ramen and beef bowl shops. Going in by yourself as a female can be quite uncomfortable. Lately though, ramen stores targeted to females (modern decor and healthier/“lighter” flavors) have been popping up and are becoming more popular.On the other hand, going to a cake shop by yourself as a female is normal and acceptable. It is pretty uncommon to see a guy eat at a cake shop, let alone by himself.Saying or hearing things like “Because I’m a man…” or “Because you are a woman…” is pretty common and acceptable, I guess.You can microwave the plastic wrap.I would refer to myself and the person I’m talking to in the third person.Service is great. Retail and restaurant workers generally treat their guests very well and are very attentive. For example, if you buy sweets from the food level of a large department store, they will always take the extra minute to wrap it very nicely for you.It’s uncommon to find soap in bathrooms.It is extremely safe. I used to leave my laptop at a cafe to keep my spot and go out for lunch. I’ve heard that petty crimes have been increasing lately though.There are very different norms and customs around working, see Kristin Au's answer to What were the biggest surprises when working in Japan?Hitting on people/ being hit on by random people happens a lot. One time I was walking home from a long day of work and errands when a middle-aged salary man starting walking next to me and very bluntly asked me “Onee-san, would you like to accompany me to dinner?”There are a few “designated” nampa, or pick-up, places, including in front of the Tsutaya at the famous Shibuya Crossing. I have never experienced it but have heard that there are people (usually males) who hang out there to nampa as a hobby as well as people (usually females) who stand around waiting to be hit on.People will set up events, called goukons, to find a boyfriend/ girlfriend. One girl and one guy, who are acquaintances, will each recruit the same number of girls and guys (usually around 2 to 4 people) to go to dinner, usually at an izakaya, or Japanese pub. After dinner, the girls and guys will pair up via a “deciding” game or by taking turns to choose who they want to be with. Afterwards, they will either do a group activity or separate pair activities. Goukons are pretty common-place, and have even been used as settings for commercials.Books at bookstores are usually plastic wrapped. Sometimes there might be a “sample” book you could take a look through.Almost everything has a mascot. My office building’s mascot was a tiger Doraemon.

I think what you are suggesting in your question is thatthere is an issue with what we teach kids in schools in the United States.And you would be more than super correct about that.Sex education is a JOKE.We don’t teach TYPING anymore.We don’t educate people on the use of COMPUTER APPLICATIONS.We don’t freaking teach people HOW TO FILL OUT TAX FORMS.We don’t teach people HOW TO FILL OUT COLLEGE APPLICATIONS.We don’t teach people HOW TO TAKE CARE OF THEIR MEDICAL INSURANCE.We don’t teach people HOW TO APPLY FOR LOANS.We don’t teach people BASIC LAWS THAT THEY NEED TO KNOW.WE don’t teach people HOW TO VOTE IN CONGRESSIONAL ELECTIONS.I could go on and on and on and on.School does so very very little to prepare people to enter the “adult world,” it’s sickening.However, I think this has been largely a problem for a long time now, not just with people teaching millennials, but virtually every generation.

Where to start.First, the insurance industry is going through a major upgrade where a lot of the past inefficiencies are being solved and ironed out.There are inefficiencies at various stages of the insurance process. I will discuss two of the major ones:DistributionWhen you buy insurance, there are three main ways to buyGo to a lead generator online that shows you multiple quotes and then sells your information to insurance agents.The Problem: no one likes being cold called and having their information sold for a profit. You have to finish up your buying process over the phone and are often tossed around between lead generator, insurance agent, and insurance carrier. An example of a lead generator is EverQuote. This is the worst experience for the customer.Go directly to a carrier website and fill out one application and get their quoted price.The Problem: First, the carrier you go to may not be a good fit and just outright deny you a quote after all your work. Second, if you want to check prices on 5 different carriers, you have to fill out five applications. This leads to entering a lot of information five times. You also don’t really have an easy way to compare what is offered in the policy and how the coverage in the five policies compare.Go directly to a brick & mortar independent insurance agency, speak with one of their agents in person or over the phone, and fill out one application and get many prices.The Problem: you may have to visit a physical office. Only open during business hours 9–5 M-F. You have to make one/multiple phone calls. That being said, this is your best option out of the three listed, because you get an experienced professional looking at what you need and shopping not just on price, but quality and value of your policy.I’m trying to create a fourth option to make the insurance buying process more efficient. My goal is to make insurance shopping as easy as buying a plane ticket:What if there was an online insurance agency that allowed you to fill out one simple form online, you submit, and they do the shopping for you with multiple carriers, never sell your information, and send you multiple insurance packages to compare from multiple carriers all crafted for your specific needs. I work only online, email, text, and chat. No picking up the phone, no going to an actual building, and no “only open M-F 9–5”. Of course you can still call or come visit us if you want to, but we realize that is a less efficient shopping process.Now on to another inefficient area of insurance…Inspection & ClaimsInspection and claims is another part of the process that is extremely expensive and inefficient, but it is harder to solve without increasing fraud. Keep in mind that around 10% of claims paid out by insurance companies are fraudulent, so you often need an experienced professional to do the inspection during the initial application of the policy and during the claims process. This is inefficient because it requires scheduling a time, having a person physically drive out to the location of the property, and spend an hour looking at the place and writing a report. This person is expensive.This process is being improved by technology in ways such as using google maps, drone imaging, and even asking the customer to take video and photos of the damage or property to be covered. However, it still has a long way to go before it is anywhere near automated.

Yes, you doFees must be paid within 20 days of entry or residency to avoid penalties. Any vehicle owned by a California resident must be registered within 20 days of entry into California unless a special permit was obtained. Nonresidents whose vehicles are properly registered to them in their home state or jurisdiction may operate their vehicles in California until they:Accept gainful employment in California.Claim a homeowner's exemption in California.Rent or lease a residence in California.Intend to live or be located here on a permanent basis (for example, acquire a California driver license, acquire other licenses not ordinarily extended to a nonresident, registered to vote).  Enroll in an institution of higher learning as a California resident or enroll their dependents in school (K-12).Check: https://www.dmv.ca.gov/pubs/broc...Definition of a nonresident vehicleA nonresident vehicle was last registered outside the state of California. Anyone who brings a vehicle into California, or purchases a nonresident vehicle while in California, should be aware of the registration requirements.NOTE:California law prohibits California residents or businesses from importing and/or registering a new vehicle with less than 7,500 miles at the time of purchase unless it meets or is exempt from California emission standards. If you acquire a 49-State vehicle (manufactured for all states except California) from another state or country, you may not be able to register your vehicle in California.

A cynical answer would be “ Because they can”However, there are other things to consider .Signing his name to a statement, a letter - or indeed anything means he is giving an opinion as a professional and as such it carries a very big responsibility.As a professional there are high standards expected of him or her by society. These expectations of knowledge ,expertise and honesty means not only that a high degree of trust is awarded to the doctor but the doctor has to be able to professionally justify what has been written.Also, careful preparation of a letter takes time - so it is justifiable to make a charge to reflect this.So. 1 because theycan2 because of professional responsibiliy3 Because of time given.It is however, very questionable to levy a high charge for a simple one liner confirmatory note on a patient who is on a minimal wage.A doctor, especially living in a small commuity, will find they will be more than amply rewarded by respect and other small favours if he does not grind money from people who are not well off, especially when people they are hard up because of illness and being out of work.I remember a (very )poorly paid patient who helped me and my family enormously one day.Responding to my thanks he laughed, “Useful to have friends in LOW places, Eh Doc?” !

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