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Marelisa Gibson Villegas

Marelisa Gibson Villegas (born 26 August 1988) is a Venezuelan model and a pageant titleholder from who won the 2009 Miss Venezuela pageant on 24 September 2009.Gibson was born in Caracas, where she now studies architecture at the Central University of Venezuela. She speaks Spanish, English and French. She is the great-granddaughter of a Swedish immigrant and she admires Le Corbusier, Santiago Calatrava, Ludwig Mies Van Der Rohe and Renzo Piano. Her hobbies include theater and photography. Marelia Gibson, who stands 1.78 m (5'10"), became the sixth Miss Miranda to win that title since the Miss Venezuela pageant began in 1952. She also won the Best Face award. She represented Venezuela in the 2010 Miss Universe pageant, in Las Vegas, Nevada, U.S., on August 23, and did not make it to the Top 15. This was only the third time in twenty-eight years that Venezuela was not among the semifinalists.

Malika Menard Miss Universe 2010

Malika Ménard (born 14 July 1987, in Rennes, Brittany) is a French beauty pageant titleholder, who won the title of Miss France 2010. She placed in the Top 15 at the Miss Universe 2010 pageant held on 23 August 2010 in Las Vegas, Nevada, U.S. During the Miss Universe official portraits photo shoot, Ménard was one of many contestants who chose not to do a topless photo shoot. Thousands of people gathered last night at Palais Nikaia in Nice (South of France) to watch the Miss France 2010 competition. The suspense lasted until late evening, when Miss Normandy, Malika Ménard, was crowned Miss France 2010 by Sylvie Tellier, Miss France 2002. WhichBudget, which has an office in the South of France, was there to witness the competition. For the first time in the history of Miss France, this year it was the public who chose the winner from the 5 finalists: Miss Normandy, Miss Provence, Miss Quercy-Rouergue, Miss Rhône Alpes and Miss Bretagne. Malika Ménard took over from 2009 winner, Chloé Mortaud, and will be representing France in Miss World competition in Johannesburg, South Africa on 12 December 2009 and Miss Universe competition in Zagreb, Croatia (date to be announced). Miss Ménard is 22 years old, lives in Caen, is in 3rd year of law studies and dreams of becoming a journalist (travel journalist, we hope - there is always a job for her at The Travel Magazine).

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Critical illness insurance or critical illness cover is an insurance product, where the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the critical illnesses listed in the insurance policy.

The policy may also be structured to pay out regular income and the payout may also be on the policyholder undergoing a surgical procedure, for example, having a heart bypass operation.

The policy may require the policyholder to survive a minimum number of days (the survival period) from when the illness was first diagnosed. The survival period used varies from company to company, however, 28 days and 30 days are the most common survival periods used.

The contract terms contain specific rules that define when a diagnosis of a critical illness is considered valid. It may state that the diagnosis need be made by a physician who specialises in that illness or condition, or it may name specific tests, e.g. EKG changes of a myocardial infarction, that confirm the diagnosis.

In some markets, however, the definition of a claim for many of the diseases and conditions have become standardised, thus all insurers would use the same claims definition. The standardisation of the claims definitions may serve many purposes including increased clarity of cover for policyholders and greater comparability of policies from different life offices. For example, in the UK the Association of British Insurers (ABI) has issued a Statement of Best Practise which includes a number of standard definitions for common critical illnesses.

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