Sponsored Links
Results 1 to 8 of 8
  1. #1
    samuel77 is offline Newbie 510 points
    Join Date
    Mar 2007
    Posts
    3
    Downloads
    0
    Uploads
    0
    Thanks
    0
    Thanked 0 Times in 0 Posts

    Individual Health Insurance

    Advertisements



    I wonder if there is a similar forum out there dealing with health insurance issues. If so, could someone direct me there?

    If not, this the problem my spouse is facing, and I'm hoping someone would address it:

    My spouse applied for individual health insurance. The 61 pages Cerificate Booklet just arrived, and everything in it looks acceptable, besides this:
    "XXX (insurer's name) can terminate the policy on the first day of any month by giving at least 31 days written notice to the insured person."
    The termination option has no limits, and can take place for any reason...
    IMO, this is a serious loophole, which makes the whole health insurance coverage almost worthless, since it changes it to a very very limited coverage, despite the declared $5 mil. Lifetime Maximum Benefit. Should my spouse end up seriously injured or sick, she would have guaranteed anything from 31 to 60 days insurance coverage, if the insurer decided to excercise their termination rights.
    She certainly is not going to accept this, and intends to request the insurer to extend the 31 days termination notice time frame to a more reasonable time, or to decline this policy.

    The question:
    What is in real world more common, what kind of expectation is reasonable as for renewability/guaranted rate in individual health coverage?
    Thank you.

  2. #2
    vinaccount is offline Newbie 510 points
    Join Date
    Jul 2007
    Posts
    3
    Downloads
    0
    Uploads
    0
    Thanks
    0
    Thanked 0 Times in 0 Posts
    Thanks For Your Support..

  3. #3
    catrice.ailget is offline Newbie 510 points
    Join Date
    Nov 2012
    Posts
    16
    Downloads
    0
    Uploads
    0
    Thanks
    0
    Thanked 0 Times in 0 Posts
    Nice site man Ive been looking everywhere for something like this!

  4. #4
    Beverly is offline Junior Member 510 points
    Join Date
    Jul 2015
    Location
    USA
    Posts
    31
    Downloads
    0
    Uploads
    0
    Thanks
    0
    Thanked 0 Times in 0 Posts
    Many health funds offer packaged policies that provide cover for both hospital and general treatment services.
    lifeinsurancetype.com

  5. #5
    Ellenjan is offline Newbie 510 points
    Join Date
    Sep 2015
    Posts
    2
    Downloads
    0
    Uploads
    0
    Thanks
    0
    Thanked 0 Times in 0 Posts
    I would suggest you ask this particular question to an insurance agent because you can get a direct answer and you can ask more for a better clarification in your head. And regarding with your question you make me think as well.

  6. #6
    DavidDownard is offline Junior Member 510 points
    Join Date
    Nov 2015
    Posts
    22
    Downloads
    0
    Uploads
    0
    Thanks
    0
    Thanked 0 Times in 0 Posts
    I agree with Elienjan, insurance agents are the only person who can guide us with best and proper insurance plan.

  7. #7
    JacobSelvestar is offline Newbie 510 points
    Join Date
    Feb 2017
    Location
    US
    Posts
    3
    Downloads
    0
    Uploads
    0
    Thanks
    0
    Thanked 0 Times in 0 Posts
    Hello Samuel,

    I would like to inform you that you should contact to the experience health insurance agents who can guide you in right way with all the possible health policy benefits.
    There are lots of policies available in market which you can get through agents.

  8. #8
    johnpotter's Avatar
    johnpotter is offline Newbie 510 points
    Join Date
    Oct 2017
    Location
    USA
    Posts
    6
    Downloads
    0
    Uploads
    0
    Thanks
    0
    Thanked 0 Times in 0 Posts
    Quote Originally Posted by DavidDownard View Post
    I agree with Elienjan, insurance agents are the only person who can guide us with best and proper insurance plan.
    I also agree with you, you can get better guidance regarding insurance plans by insurance agents.

Similar Threads

  1. Health Insurance help
    By haaris in forum Health Insurance Forum
    Replies: 7
    Last Post: 11-24-2015, 03:42 AM
  2. Insurance Broker for motor,burglary,health and house insurance ,free service
    By nikkig in forum St. Georges Medical School Classifieds
    Replies: 0
    Last Post: 07-28-2011, 10:25 PM
  3. Buying an Individual Health Insurance Policy
    By parlakawong in forum Health Insurance Forum
    Replies: 0
    Last Post: 08-25-2007, 02:18 PM
  4. Health Insurance
    By desi2006 in forum St. Georges University School of Medicine
    Replies: 21
    Last Post: 05-14-2007, 12:35 AM

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •