CRITICAL DISEASE INSURANCE Should be more critical to choose a critical illness insurance (1)

Everyone wants healthy. That's why, when ill whack, efforts were made to recover and come back healthy. You can maintain the health, be thankful. Therefore, the more costly medical expenses and are not necessarily affordable to all people. Sophisticated medical devices and new drugs become triggers swelling spending. Pain is expensive.

If you have deep pockets or get health benefits from the office ceiling is sufficient, the cost of treatment was burdensome. Moreover, if the disease comes not too serious, such as fever, diarrhea, or mild injury. Another problem if you suffer from serious illnesses that require long treatments or expensive surgery. Money not enough health from the office, while regular health insurance does not cover that type of disease.

For those who do not want to deal with such conditions is, insurance companies offering critical illness insurance products (critical illness asssurance).

What are the critical category?

Before we discuss this product is too much, keep in mind that the definition of critical illness insurance is a disease that has been in critical condition. No matter how many diseases could be insurance companies cover.

In cancer patients, for example, the average insurance company would only pay claims when the insured is already in stage 4. It's critical that enter the definition.

So far, insurance companies do not explain in detail the public about the critical categories of insurance products. Community considers a claim for any illness will be granted an insurance company, regardless of the patient's condition (the insured). In fact, the reality is not like that.

It had been so, the premium to be paid by the customer for this type of insurance is also relatively more expensive than regular health insurance or life insurance. Therefore, in order to not get stuck, the prospective customer is more keen to read every clause of the insurance policy.

Before deciding to become customers of this insurance, you should consult with the competent authorities such as financial planners. Prospective customers also need to ask for a list of documents that must be completed and be prepared if you want to claim to the insurance company. This document refers to a list of claims, insurers have been disbursed prior to its customers.

Prospective clients must also understand the details of what is stated in the policy contents. Indeed, it is not easy. The insurance company will not disclose the contents jeroannya before someone states willing to become a customer. According to Aidil, when customers feel not agree with the contents of the policy, then he can still cancel the submission policy within 14 days from the filing is received by the insurance company.

There are some clauses that have the potential to trap customers. For example the use of the term "exceptions" in the policy. Typically this exception for a disease that arises because the customer committing a crime, HIV infections, or diseases that are suffered by the customer before becoming an insurance participant.

We recommend that prospective clients ask in more detail each disease covered or not covered by insurance. Examples of renal disease, whether the treatment until the transplant or dialysis only just. Then, how many times dialysis is borne.(continued)