Archive for the ‘Insurance’ Category

Critical Illness Cover and Survival Periods

Friday, August 27th, 2010

If you take a critical illness cover policy out, the typical survival date after being diagnosed with an illness is 14 days. If you were not to survive the full 14 days form date of diagnosis you would not be paid out the insurance benefits.

An insurance company will not cover pre existing conditions, so on your applications you will need to disclose if you have any kind of illness no matter how material you think it is this is the basis of your Critical Illness insurance policy being activated. If you have not fully disclosed again the benefits of your policy will not be paid out.

Throughout your policy period, if you make any changes to your life style such as occupations, address, family history etc. you must inform the insurance company. This is also the basis of your contract with the insurance company. Again if this is not adhered to your policy benefits will not be paid.

Caravans And Insurance

Tuesday, August 10th, 2010

The UK today has many popular locations where people like to go on holiday to whether you live north, south, east or west you could always travel to a local hotspot or travel further out and see new sights.

You may decide to stay in a hotel or stay at the nearest caravan park, within any caravan park you have the choice to stay in the static caravans provided or even take you own touring caravan. If you were to purchase caravan insurance you would need to ensure that you got the right caravan insurance as static caravans have different risks to touring caravans.

Touring caravans are likely to be involved in road traffic accidents as they are susceptible to maybe tip in strong winds. Where as a static caravan is susceptible to the risk or natural disasters such as flooding or even falling trees depending on again the strong winds. You may also want to consider some form of Critical Illness Insurance.

Cardiomyopathy And Critical Illness Insurance

Saturday, July 17th, 2010

Cardiomyopathy is a heart muscle disease which means that the heart is unable to function as well as someone without it. If this condition is diagnosed the person is more likely to suffer from a sudden cardiac death. A coma is normally known as a state of unconsciousness which someone can not be awakened from, does not respond to pain, they are not affected by the light or the dark and do not have any sleep awakening patterns.

There are a number of things that can trigger a coma like a car accident or an accident where head injuries have been caused, intoxication by drugs, alcohol etc, metabolic abnormalities where you are un responsive to insulin, central nervous system diseases, acute neurologic injuries caused by a stroke, and hypoxia where the body is starved of oxygen and many more.

A coma does not have a stipulated amount of time as it can go on for years, this would be covered under a Critical Illness Insurance plan.

Heart Valve Replacement And Insurance Cover

Saturday, July 17th, 2010

Heart Valve Replacement is an operation to divide the breastbone and replace a heart value that is damaged due to either it being diseased or just general wear and tear of the valves being over used due to the individual’s lifestyle and build.

The reason for the valve being replaced can be due to it becoming blocked due to dietary issues or becoming leaky. When an individual needs to have a heart valve replacement there are two types of valves that can be used which are tissue and mechanical valves. Tissue valves are more commonly used from animal tissues which are treated to try and stop rejection and infection.

There are other forms of tissue valves which are used from human patients that have given their consent to be used once they have died, again these wil be treated to minimize rejection. Mechanical valves are man made and generally are built to last longer than the patient receiving them will. A heart valve replacement is likely to be covered by a critical illness insurance quote but not by a Life Insurance Quote

What Is Covered By Insurance Policies

Friday, July 16th, 2010

As with any illness depending on the severity, a number of diseases of the heart can lead to an individual needing open heart surgery such as congenital heart disease, valvular heart disease and many more.Illnesses such as these will not be covered by Life Insurance you will need to take a form of critical illness insurance.

Another reason open heart surgery may need to be carried out is due to trauma of the heart, such as a stabbing or other injuries that have been inflicted to the body and that area. Anyone that has a relative or knows of someone with Parkinson’s disease knows that it is a horrible disease that affects the individual in an unpleasant way.

Parkinson’s disease sufferers have similar symptoms to tremors of limbs (for example a constant slow and steady shaking of the hands), very slow movement of the body, and sometimes muscle rigidity is promenant. It make take the individual a very long time to do something compared to someone who did not have parkinsons disease.