A person who was diagnosed with cancer can even hire a personal health plan, but it will be seen struggling with some difficulties especially if we are talking about Life Insurance Over 60. You can find more about this here http://car-breakdown-insurance.com/how-much-life-insurance-do-you-need/ on our blog. most cases, the complex procedures related to pre-existing disease are not covered by the plans for 24 months, maximum grace period stipulated by some plans. Although those who already have a health plan can still count on it, it is always a good idea to know a few things about plans and your rights.
Highly complex procedures are defined in the Roll of the health companies worldwide regarding what plans should cover when it comes to cancer patients and cover cases such as chemotherapy, computed tomography and magnetic resonance imaging, in addition to chronic hemodialysis and cardiac catheterization. Sometimes Life Insurance Over 60 is not enough to make things easier when people need cancer life insurance the most.
Cancer life insurance can sometimes just ensure a headache.
That is, until the insured could hire a plane for the same price that anyone with the same profile and without pre-existing disease, but could not treat cancer with this new plan for up to two years. This is called Temporary Partial Coverage (CPT), in which normal procedures are subject to its rules of regular grace, and complex procedures are subject to that special grace period of 24 months in most places. The plans require that still lack access to high-tech beds (ICU and ICU) and surgeries resulting from pre-existing disease.
Another possibility is that there is injury to the award of the new insured with pre-existing disease and that is also valid for Life Insurance Over 60. For a higher monthly payment, the insured can cover for these treatments and complex procedures.
Other procedures have normal coverage. Thus, injuries, diseases and other health problems not arising from pre-existing disease will be subject cover the time limits of normal grace period: 24 hours for urgent cases, personal injury, complications in the pregnancy process, and emergency, immediate risk to life or injury irreparable.
Plans cannot refuse to treat patients.
What cannot happen at all is a health plan deny a new insured for any illness or pre-existing injury, as this is configured as discrimination, practice subject to a fine. The same applies to discrimination for any other reason, such as age, for example. To set as pre-existing, a disease must have been confirmed by a doctor and have evidentiary examinations. The mere suspicion of a disease does not configure pre-existence. In this case, if the plan you want, you can request a medical evaluation possible client to try to confirm the disease or injury.
If the plan does not do this and there is confirmation of the disease a few days after the new insured have hired the plan, you cannot deny coverage to that illness or injury for 24 months claiming pre-existence. However, the person who already have a disease or confirmed existing injury and deny this information to get insurance can have the contract terminated. Therefore, one should not lie or omit information when hiring a health plan, even if we are talking about a Life Insurance Over 60.
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