Heaven on Earth Cake

Ingredients

• 1 box Angel food cake or 1 prepared Angel Food Cake
• 1 package (3.4 ounces) instant vanilla pudding
• 1 1/2 cups milk
• 1 cup sour cream
• 1 can (21 ounces) cherry pie filling
• 1 tub (8 ounces) Cool Whip
• 1 tablespoon almond slivers, toasted

Instructions

- Bake angel food cake according to package's directions. Allow to cool and cut into cubes.
- In a bowl, combine pudding mix, milk, and sour cream and beat until smooth. Set aside.
- In a 9x13 baking dish, arrange 1/2 of cake cubes in a layer.
- Spoon 2/3 of cherry pie filling over cake. 
- Place the remaining 1/2 of the cake on top of pie filling.
- Spoon pudding over cake and spread evenly.
- Spoon and spread whipped topping over pudding layer.
- Garnish cake with the remaining pie filling and toasted almonds. Chill for about 4 to 5 hours.

FULL INSTRUCTIONS :enjoytheinfo.me

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This feature is common in senior citizen health insurance. When at the senior age the premiums are expensive, co-payments offers some relief as the insurer charges a little less with co-payment. However, some policies may ask for higher co-payment if treatment is done at a non-associated hospital. Clause 2#Deductible Co-payment and deductible are kind of a similar term, the only difference is in case of the former the policyholder pays a certain amount of the hospital bill, while in the latter case, the insured agrees upon to a fixed amount to pay. It is of two types: Voluntary and Compulsory Deductible. The compulsory deductible is fixed and pre-decided by the insurer and it is compulsory for the insured to pay. While in case of the voluntary deductible, the insured can decide the amount as per the affordability. As per the rule, before the insurance company pays for the claims, the deductible has to be paid. However, there is no reduction of sum insured even if you pay the deductible. Clause 3#Portability You may not find the existing health insurance adequate in terms of your requirements. Considering this, if you stop paying the premium or buy a fresh policy, you may lose on certain benefits such as the served waiting period for specific illness, or accumulated NCB. Mostly, health insurance comes with a waiting period to cover pre-existing or specific illness. If you’ve served 24 months of the waiting period and buy a new policy in the 25th month, the new policy will demand you to serve another 24 months of waiting period to cover specific illness, which can be avoided by porting the policy with another insurer. Portability is a feature comes with health insurance, which allows the insured to switch the policy without losing the accumulated credit, or benefits with the existing policy. The only condition is there should be no break in premium payment. Hence, if you are not satisfied with the services offered under HDFC ERGO Health Insurance, you can port the policy without compromising on your earned NCB bonus. Clause 4# Maternity When in most of the cases maternity is excluded, there may be some insurers that offer maternity benefit as an in-built feature. However, the maternity clause comes with a pre-defined waiting period. Plans with a lesser waiting period may charge a higher premium. Usually, pregnancy or childbirth-related expenses are usually a part of exclusion, however, one can opt this as an add-on benefit, along with the basic cover. Hence, if your HDFC ERGO Medical Insurance doesn’t include maternity, you can add this as an add-on cover by paying an extra premium. Clause 5#Pre-Existing Disease Gone are the days you had to worry before taking health insurance with pre-existing illness. These days health insurers extend coverage even to those with pre-existing ailments as well. 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