Insurance FAQ
 

Can Anyone Recommend A Company That Can Provide Life, Illness And Accident Insurance All Together?

Question by Wafflebox | Posted in Insurance

I've found companies that offer life and illness together, but would prefer one that can cover all three.

Answer: If in UK. Consult a Independent Financial Adviser. The first interview is free they can survey the entire market place and get you the best deal for you. Just put in IFA and the area you live in to your tool bar and it will give you a list of people to contact. Some of the best companies only deal through independents
 
 

Confused About Life/illness/accident Insurance (lreland Only)?

Question by cat | Posted in Insurance

husband and l have life insuranceq and have 3 kids.We have been approached by a sale man from a well known insurance company about sickness hospitalistion income policy, accident hospital benefit plan and accident disability plus. l know what they are for and each one have different premiums. What l want to know is do l bother with them and not waste money or get 1 for kids and another for me and husband (he's works). Who can l go to for advice?
Answerer, third is not for long term payment.

Answer: 1st gives you an income if you're hospitalised, 2nd gives you money for being in hosp to pay for it third is a payment for long term / serious disability illness.

You can go to an independant financial advisor or the Regulator - they have lots of advice.

http://www.financialregulator.ie/

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Is Getting A Thorn In You Finger That Gets Infected An Accident Or An Illness?

Question by H | Posted in Injuries

Recently I got a thorn in my finger that got infected. I have private accident insurance would this be covered? I have only just finished a claim for a sprained ankle," done in the garden"
I went to see a nurse on Thursday who gave me some antibiotics

Answer: Good question! The correct answer is it is an illness because it has dirt and bacteria that you wouldn't have in your skin because there are hardly any things in your house strong enough to penetrate your skin and get stuck. The body would naturally try to fight the bacteria off, but it would be easier to have it removed. Though, I am positive that you can claim it was an accident because as you said you didn't on purposely put a thorn in your finger. So if you have good insurance it should cover it

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Texas Life Insurance And Illness Death Benefits?

Question by texaslizard13 | Posted in Insurance

I live in Texas and I need to find a separate insurance that will pay out benefits if I die from an illness. I already have a term life insurance that pays out if I die from an accident. Are there life insurances out there that will still pay a benefit if you die from a critical illness? If so, is a physical usually required? thanks.

Answer: Life insurance covers you in the event of death from any cause (except suicide in most cases). Accidental death is a rider that you can purchase that will pay additional benefits should you die as a result of an accident (car, hunting, etc).

Health insurance covers you for health care costs while you are alive. There is no payout in the event of your death.

If you think your term policy only covers you from an accident, I would seriously take a close look at your terms. That doesn't seem right.

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Anyone Know Of Good Cat Insurance For Basic Wellness Care And Some Accident/illness Coverage?

Question by Qlarity JPA | Posted in Cats

I'm looking for something that will cover the preventative care like dental cleanings and pay a percentage of the bigger stuff. All the plans I've seen focus on the big stuff with wellness an afterthought (and a surcharge!) It seems like, with people insurance, it would be cost effective for them to cover the relatively cheap preventative stuff 100 percent so that the bigger stuff is caught before it becomes a real problem. I also want a program that insures all my cats, all together for one (preferably

Answer: Cat insurance? You're joking, right?

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Critical Illness Insurance: A Health Insurance Policy « Finance Blog

by Finance

Accident insurance is an insurance policy where a sum assured is provided to the nominee in case if an insured dies in an accident. Some insurance companies also cover the insured in [. ]. Having a certified structured settlement consultant to get a structured settlement is probably the best and the safest option. The insurance company also provides coverage and compensation if the insured person looses his sight of vision(becomes blind) or disable in an accident.

Source: Critical Illness Insurance: A Health Insurance Policy « Finance Blog

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