Healthcare insurance refers to an insurance against incurring large medical expenses. With the development of the Affordable Care Act, every employee is expected to hold health insurance policy to facilitate a universal healthcare system in the United States. Through this policy, Americans are better provided with new benefits, healthcare rights, and protection in the various aspects of the healthcare system (LifeBenefits, 2014). Healthcare insurance involves a process through which a healthcare insurer estimates the total risk of healthcare and the likely expenditures on healthcare for a target group, and come up with a collective risk pooling initiative to provide insurance to the group through premiums or payroll tax payable on regular intervals. On this note, healthcare insurance is segmented into different packages whereby, employees are presented with a larger choice on the type of care they need. Such a move has led to increased consumer choice whereby, employees have the right to choose their desired coverage and incur costs on insuring related risks in the exclusion of others. This has also led to decreased cost of insurance as the insurance cover offers compensation to the specified risks and excludes other low-probability risks. This essay shall discuss the various types of employee insurance programs. Group term life insurance is an insurance coverage that helps the family of the bereaved especially when he/she was the breadwinner (State of Delaware, 2014). Group term insurance policy is offered to a group of people and allows the beneficiaries of the bereaved to enjoy benefits if the insured dies in the specified period. This type of insurance coverage enjoys the benefit of being a cheaper option as compared to individual coverage. The group term life insurance is one of the employee provisions in the benefit packages as it is affordable. It can be serviced by the employer or employees through group contributions. This cover also compensates the insured in the event of permanent incapacitations that may result from the loss of a limb or a major accident causing incapacitation. Group universal life insurance is an insurance coverage that incorporates a death benefit to the family of the bereaved, an over-time, tax deferred amount that on accumulation can be used as retirement. The policy also provides for children’s education and other emergencies such as illnesses. The policy is often offered in a group setting where employees gather and on a collective initiative, purchase a cover. The business entity might also purchase the coverage for their employees to cater for any emergencies and unfortunate loss of life or impairment in their period of employment. Term life insurance is an insurance cover that covers a policyholder for a specified period and expires at a set date (Insure | Investors Group, 2014). Once the expiry date is reached, it is up to the policyholder to consider if he/she wants to renew the policy. In most instances, such policies covers are sought after when employees engage in a particularly dangerous job outside their routine. In contrast to the life insurance policy, this cover runs for a specified limited time, for example, 26 days and expires thereafter. This policy is cost friendly for people who wish to obtain a short cover, as they cannot afford a life assurance cover. AIDitionally, it provides all the benefits that a life insurance cover would, but in the period limitation. Cancer and specified disease insurance schemes are also a major trend in modern healthcare insurance. Such policyholders are assured of payment of a benefit amount in aIDition to other compensations held on other insured risks. The compensation can be used in the compensation of cancer-related treatment alongside other specified diseases. Lately, HIV /Aids coverage schemes have cropped up to enable people to insure themselves against costs arising from after-HIV infection life. This enables individuals to seek appropriate medical care and take care of themselves from the compensation. AIDitionally, these individuals are equipped with the ability to seek interventions through this fund as well as pursue other expensive medical options (Bovbjerg, 2007). This fund has a major advantage in that it provides a platform with which people can afford expensive medical care in the event of such illnesses. For families that have a history of such illnesses, one may obtain the cover to ensure that they can afford the care when the disease sets in. Accident insurance (with expanded benefits) is a policy that provides compensatory benefits to policyholders who may have on and off the job accidents. The compensation helps the insured to pay for the costs of treatment that may not have been paid by the primary insurer. The level of coverage can be negotiated between the insurer and the insured. This is in the light that, coverage may be in the silver, gold, platinum, or basic level of coverage options (Colombo and Tapay, 2004). The benefits are set to make compensations in the event where the policyholder suffers loss of life or a physical permanent impairment, a dislocation or fracture, medical expenses, permanent disability, as well as hospital confinement. For covers that insure outpatient services, policyholders stand to benefit from this scheme. Hospital indemnity insurance refers to a policy that pays for hospital confinement, ICU, and waiver premium. The policy is available for both, individual, and the entire family. It is also referred to as ‘shop’ (Colombo and Tapay, 2004). It is available in the various classes, among them gold, platinum, silver, and other user-specified packages. Heart and stroke insurance is another cover that helps a policyholder to cover for the medical expenses incurred in the course of treatment for heart and stroke-related complications. Disability income insurance lastly is an insurance policy that assures an individual policyholder of an income when the insured suffers a sickness or an off-job accident. As noted earlier, term life insurance policyholders stand to benefit from limited coverage for risks accruing to a certain activity. Policyholders pay a cheaper premium due to the limited time of coverage and tailor-make the policy to suit the inherent risks. Universal whole life insurance aIDresses the financial needs of the bereaved family after the departure of their breadwinner. When it is in a group setting, it is often cheaper, and the premiums are lower (Bovbjerg, 2007). Another major advantage is that It covers many risks among them incapacitation and death among others. It also covers for emergencies and educational demands of the dependents left behind. Accidental death & dismemberment insurance is a policy that pays compensation where the cause of death is an accident. This amount provides an extra benefit on top of the life insurance cover and covers many accidents among them, homicides, exposure, traffic accidents, and drowning among others. Long and short-term disability insurance is advantageous as it aIDresses the needs that may result from the disability. This includes further disability development, treatment needs, and rehabilitation charges.

The main points in the 2010 book, UK The veil and the politics of racism, by Williamson and Khiabany are that the veil periodically has grown to become an identity of uniqueness, a good example of failed multiculturalism and a defiance of global integration in Britain. Due to this, it is utilized as a vital image in the demonization and homogenization of the British Muslims (Williamson, and Gholam, 2010 p 85).The author’s point out that it is essential to equate the veiling issue to the broader problem of imperialism, racism, neoliberal political and economic changes, and immigration.

This article looks at the veil discussion while revealing the many practices and garments surrounding veiling in Britain media that portray it as a dangerous image of individuality and uniqueness. It also tends to believe that to separate Islam and gender issues from the general public representation leads to racist, intolerant, and regressive beliefs ideologies (Williamson, and Gholam, 2010 p 86).


A recurrent concept within the article is that repeatedly gender and Islam in western media highlight that Muslim women become the visible symbol of difference from an expected European homogenous liberal space, and are constantly depicted as victims of their cultures (Zine, 2006 p 245). An example, of this aspect as found in media reporting, is on the stereotyping of Muslim women as passive, and victims of news stories often shown. In the media coverage, this finding particularly holds that reporting of women violence is often depicted as emotional and irrational while the men’s violence is shown as being rational or normal. Experience shows that when the Muslim women wear the veil they face constant violence, verbal abuse and live in constant fear due to the misconception natured by the media that has led to widespread Islamophobia.

They women are described as people mainly obsessed with veiling, praying, often testing, and abusing the patience and goodwill of the host countries, and continue to uphold ancient types of punishment and law. The British media has given this view an extensive airing. An example is that the media initial representation of a veiled woman was that of the victim. For example, initial British media projection of a veiled woman was that of the victim that needs sympathy after years of oppression under the Taliban; currently, Muslim women are grouped as being part of the terrorists’ threat. Paradoxically, as a symbol of both subservience and barbarism, this cloth now is capable of hiding a terrorist and affect freedom people currently enjoy (Zine, 2006 p 246).


In relation to other texts, the shift in symbolism of the veil results in two possible outcomes. First, the Muslim women continue to be identified with a wider contradiction of ideas among the principal male decision makers. Even as the government struggles to prevent the next terror attack by persecuting the male Muslims, it quickly forgets the impact the national security period after an attack has on the Muslim women especially those that wear the veils. Regardless of skin-color or place of origin, to the enemy the veil or headscarf portrays the woman as sympathetic, forever foreign, and presumably disloyal. For example, the veiled woman often greatly feels the impact of public distrust and government’s severe counter-terrorism tactics, and her views and voice in such cases are not considered (Hoodfar, 1993, p 12).

Secondly, any relevant dispute encompassing a woman’s right to wear a veil has to include the racial subtext linked with her veil. Discussions about her freedom of wearing a veil look at the issue with a narrow mentality, while after the US terrorist attacks the veil has come to symbolize more than just a garment worn by a foreigner seeking religious accommodation. In that, it is a clear marker of her involvement with an illegal group. Therefore, the name Muslim is both an ethical, racial, and religious identifier. The veil transformation in imagery from suppressed to terrorism causes evident discrimination against Muslim women (Hoodfar, 1993, p 12).


In summary, it is clear that people’s perception of the Muslim and Islam veiled women changed after the US September attacks. This has led to the emergence of stereotypes that have often caused confusions, misunderstandings, and even hatred. At a period in which the Western world is still learning about Islam the visible minorities, veiled Muslim women are bearing the full weight of the misconception associated with the religion. People do not realize that wearing the veil is a choice, a sign of freedom they need to be free from these stereotype minds that are the most dangerous mistake.

Thus, stereotyping and racism come; as a result, of these conflicts and by identifying what Islam is about and that contrary to media assumptions the Muslim youth are not what they seem. This initiative would instead help make ways for exposure and resistance against other discriminative actions towards the inferior groups. Tolerating culture is not all that multiculturalism is all about it should instead, extend towards acceptance of all the diverse cultures that exist. In order to coexist as a peaceful society, I am of the idea that we have to look beyond physical and accent appearance and focus on each other’s words, intelligence, and good intentions so that we can get past the stereotype mindset that often affect people.

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