Do you feel my pain? his only family left him to euthanized

Save Money on Critical Illness Insurance

While life insurance pays your beneficiaries a sum of money if you pass away, critical illness insurance pays out when you are diagnosed with one of the major illnesses named in the policy. Death is not a requirement for the benefit to be paid, which is why it is called a "living benefit."

Some critical illness insurance policies cover three or four conditions, but others cover about 30. The conditions covered vary among carriers and policies. Some of the conditions that critical illness insurance typically cover can include, but are not limited to: stroke, cancer, severe burns, heart attack, major organ failure, Alzheimer's disease, aortic surgery, loss of limbs, aplastic anemia, bacterial meningitis, benign brain tumour, blindness, coma, coronary artery bypass surgery, paralysis, deafness, heart valve replacement, loss of speech, kidney failure, motor neuron disease, loss of independent existence, major organ transplant, MS, occupational HIV infection, and Parkinson's disease.

Here are some ways you can save money on a critical illness insurance premium:

Choose a policy that is the best for your risk factors: In most cases, the more conditions covered, the more expensive the policy. If cancer is a risk factor due to family health history, for example, you may be better served with a policy that covers cancer, heart attack, and stroke than a policy that covers 15 or more illnesses, most of which may be low risk for you.
Some policies will exclude certain conditions, such as loss of eyesight. Weigh the pros and cons carefully of exclusions, but recognize that the lower the risk you present to an underwriter, the lower your premium.
Did you know that insurers round your age up or down depending on when you apply for a policy? If your birthday is close to the end of the year, buy your policy in the first six months of the year to take advantage of age rounding.
Some policies have extra benefits and riders, such as a waiver of premium rider or a child illness rider. Go without riders that do not apply to you so you can save money on the premium.
Do you have mortgage insurance that includes critical illness insurance? Speak with a broker to see if dropping your mortgage insurance makes sense for you. You may have adequate coverage for the mortgage risk if you also have individual policies and policies through work. If there is enough overlap, you can streamline your polices so you can pay less but still have the coverage you need. Caution! Never cancel an insurance policy before learning if you have the right coverage active first.
It costs your insurer time and money to process monthly payments. They reward you with lower premiums if you can make an annual lump sum payment.
You can pay to have some policies backdated, giving you a chance to lock into a more advantageous rate and age bracket. Doing this will cost you more upfront, but it can save you money in the long run, especially if you have a long-term policy.
Choose between term and permanent insurance. Permanent is more expensive at first, but it is very affordable if you buy it when you are young and in good health. Term insurance renews at a higher rate every year. If you are looking for long-term protection, choose wisely. You don't want your term policy to end at an age when renewing will be too expensive.
Your employer's benefit package may include critical illness insurance. If the amount of coverage provided by your employer makes sense for you, that's great! You have the coverage you need.
You can get a simplified or guaranteed issue critical illness policy that allows you to skip the medical exam, but you pay more for that privilege. A fully underwritten policy that includes a medical exam is cheaper. If you are in good health, skip the no medical policy and make time for a doctor's or nurse's visit.
Bundle up! If you are in the market for several different types of policies, such as disability and life insurance in addition to critical illness insurance, your insurer may have a bundle discount. Don't be shy about asking if this is the case.
Want a money back guarantee? Some policies come with, or allow you to purchase, a return of premium rider that pays back a full or partial refund of your unused premiums. There is often a charge for this, but the extra money can more than offset a return of premium years down the road.
Consider getting a life insurance policy that has an advancement of funds for a critical illness. This can be cheaper than purchasing two separate policies, but understand that an advancement affects your life insurance benefit.
Smokers always pay more--sometimes double the rates of non-smokers. This is just one more good reason to give up the bad habit!
Speak with a broker. Unlike an agent that works for just one company, or a bank that only sells their brand of policies, brokers have access to all the products on the market, and they will compare them for you. Brokers are like matchmakers. They check out all your options and pair you with the best one for your needs. Some brokers even get discounts that are not available to the public, so they can get you the best rate.
Age is a driving factor in the development of critical illnesses, and nobody can escape the aging process. That's why critical illness insurance is just as important as life insurance. We hope these tips motivate you to speak with a broker and save money on this type of policy. Get in touch with a broker today and get the protection you need.

Health is Wealth, if you have it you should take care of it because pretty much it is a deciding factor in having an enjoyable life. Life as we know is full of surprises. Health as a facet of life has a number of factors to consider. A good health now is no guarantee of a good health later.

As much as we would want to be healthy, we really do not have total control over it. We would like to think that we really are in control, and to a certain extent we do have control.

We have control in the sense that we can decide what to eat, what activities to do, the kind of lifestyle we would like to live and the type of environment that we would like to live in. When we talk about these things definitely we have control, but as to what will happen to us in the future is really beyond our control.

It is in this light that getting individual health insurance makes sense. To state briefly for early clarification and appreciation; an insurance is a means of indemnity against a future occurrence of an uncertain event. Since we are talking about health, then indemnity for reasons relating to health would be the main focus of the insurance.

There are a lot of insurance providers in the market today and that is to the advantage of the individual. If an individual has more options to choose from then the market becomes competitive and forever evolving. All of the providers certainly have their own strengths and offers that they are likely to push.

It is up to the individual therefore to discern on what to get. Most of these providers would gladly give a free quote for the plan that you would eventually choose. But before crossing that line, we have to understand the very nature of the need for it.

Here are a few guidelines in deciding to get individual health insurance before actually being quoted.

First of all, you must understand and know what you and your family need in terms of the health topic. Everything boils down really on this fact. This is supposed to be the main reason why you are even getting health insurance. Of course you should primarily look at your family's medical records and medical requirements.

Second, you have to know what the market has to offer. To simply put it, you have to look around. If you want to get the best of looking around, then you have to put in more time in finding. This is the only way for you to get the best that any provider can offer.

Thirdly, ask for a free quotation. Having known what you need and pair that with the best offer a particular insurance provider can offer, and then seek for their assessment or evaluation.

Lastly, having diligently done steps 1-3 then the final and most important step now is to enrol or get the plan. Doing this culminates actions 1-3 and therefore makes you insured.

Do you feel my pain?

I just can’t somedays, I. Just. Can’t.
Owner surrendered even after medical was offered, they left me with more questions, how.. why?

He curled himself into a little ball, squeezing his eyes tightly closed as if to block out the chaos that was going on around him. His skin aches to look at and I wanted to pet him but I’m afraid it will hurt him both physically and mentally if I arouse him from his safety behind those closed eyes. He’s on the EU list so there’s no stopping me now, I WILL find a way to break him from his prison both mentally and physically. Phone calls, text messages, social media - no stopping, I have a mission and my mind is set. Not one more day, he will be safe before I close my eyes tonite.
No foster was to be found, to Hell with it he’s going home with me, I can do this, what’s one more.

Join me in his fight, we can do this!! I refuse to believe this is the beginning to an end. We must heal the obvious before we can do biopsy, he would not survive the surgery in his current condition. He’s such a good boy and the love and attention I shower on him is returned 10 fold, oh please Lord give me a happy ending, my heart will just crumble at anything less.

Help me help him, he’s worth it.
If you would like to contribute to his care

FB threat here
Buy Your Own Health Insurance Cover

Wealth Protection is an area often neglected in lieu of Wealth Creation. Without an iota of doubt, Wealth Creation by doing smart investments is definitely important. But what use is it if there is an imminent risk of losing all that you created over your life time - in a span of, say, a few months?

Health Insurance is one such aspect of Wealth Protection - where most of us feel that either we are already protected enough by our company group insurance policy, or God will always be too kind on us and nothing is going to happen to us while we are in our prime age. Can we be further away from truth? And all of us see and hear enough examples around us everyday, which contradict this basic assumption of ours. Just closing our eyes is not going to make the risk vanish. A smart wealth creator, like a smart project manager, manages the risk of health by 'adequately' covering this risk associated with it. Cover your risk before it is too late.

It was a sever heart attack. He was fortunate to have survived. He is 31, my ex-colleague, working in an MNC in Gurgaon, and highly successful - or seemingly so. He has a beautiful daughter and a very caring wife. All his 3 arteries were more than 70% blocked. Bypass was the only option. When he came home, his corpus was down by 25% - this in spite of having a group insurance policy from his employer. Other than the emotional setback as well as lifelong constraints on his lifestyle habits, it is going to take him another 4 years of hard work - just to claw back his portfolio to where it was prior to this incident. You may say he was unlucky. No. He was not a smart portfolio manager. A smart manager will always cover the risks to his or her portfolio.

And if after reading this, you have been thinking that it may have happened with him because of his workplace stress, and that you don't take that much stress at your workplace, let me tell you that the food you eat, the air you breathe, and the water you drink have become toxic enough to cause such, and many more dangerous diseases even if you are leading an absolutely stress free life. It is unfortunate, but true that we are living and consuming such toxicity. Who will be the next one - is just a matter of chance.

Hope for the best, but prepare for the worst - that is how we used to plan our projects. that is how exactly you ought to deal with your life. I sincerely hope you lead a healthy and prosperous life, but I earnestly urge you to be prepared in case of any such eventuality -for it is a definitely reality in our so called developed world.

Here are 8 strong reasons you must buy your own health insurance policy at the earliest, irrespective of your age or your existing cover:

1) Avoid stringent tests

If you think, you will save some money and take a health insurance cover only when you cross the age of 50, then please be aware that after 50, almost all health insurance companies subject buyers to a slew of medical tests before selling them a health plan. And once you undergo a battery of tests at that age, it is quite likely that you will be discovered with some minor, if not severe, anomaly. Each such anomaly is going to load your premium, apart from the physical pain of undergoing all the tests. You can avoid all these tests if you buy your health insurance policy earlier. Any pre-existing diseases are automatically covered in such a case. Any diseases diagnosed later will be covered - without any additional premiums.

2) Pay lower premium

Health insurance premiums are quite low when the age is less. The lower the age group, the lower the premium. And premiums go up only if you move across age groups. At 25, a plan with Rs 5 lakh coverage would cost you around Rs 8000, at 35 you'll have to shell out around Rs 11000 and at 45 the cost rises to Rs 18000. So buy it as early as possible to book the policy at the lowest possible premium.

3) Accumulate no-claim benefits

Even if you remain healthy - which we should all hope for - with every such no-claim year, the extent of your medical cover increases. Buying early means you are likely to have more no-claim years, allowing you to accumulate the benefits over time.

4) Get access to cheaper and hassle free online buying

At a young age, you can buy a decent enough health insurance policy online. The online policies are cheaper. Many insurers are not willing to sell online if the buyer is above 50. You will not be able to avail of the ease of online purchase if you wait too long.

5) Your employer cover is just not sufficient

With exponential increase in healthcare costs, the need for health insurance cannot be overstated. Check the cost of a week's hospitalized for a regular illness and then compare it with your company's coverage. Most likely you'll be persuaded to buy a cover immediately. Still not sure? Think about when you grow older and might need more frequent medical attention. What about if you are asked to leave the company - a harsh reality today? What about the period in between two jobs? You ought to cover all these risks to protect your portfolio.

6) Avail Sec 80D Tax benefits over and above Sec 80C benefits

Buying your health insurance early also means better financial planning. You save tax for paying the premium. Under section 80D, you can potentially save taxes upto Rs.40,000 annually. If you take these tax benefits into account, the cost of a health insurance policy is not prohibitive considering the protection you enjoy.

7) Overcome the Waiting Period

When I quit IBM and took financial freedom, I bought a private health insurance policy - just to realise that I have to undergo a waiting period of 2 years for specific treatments. And, as fate would have it, my wife had to be operated for one such disease during this 2 year period. Who paid? I did. Do not do the same mistake that I did. Do not wait to buy a health insurance policy till it becomes a definite necessity.

When you buy a health plan, you have to serve several waiting periods-for certain surgeries, special treatments, pre-existing illness coverage, etc. If you buy it now, when do not need it immediately, it would mean you would have served the requisite waiting periods and be able to claim all full benefits later.

8) Cover your 'to be born'

Today's health insurance policies covers much more than just hospitalization. New health plans cover you for day care procedures and OPD, not just serious hospitalization. Even vector borne diseases are covered. Most plans also have maternity benefits, which may be relevant at this stage of life. Also, your new born will be covered from birth without any additional premiums.

An accident is something all of us dread. There is no person that would like to see himself get involved in or to be the cause of one. But like health, accidents are realities of life and we never know when they are going to happen and where. The best protection we can get for ourselves is to get accident health insurance.

Among a number of insurances in the market, an accident insurance is a special insurance in the sense that it is really designed to protect finances in the event of an/any accident. When you get involve in an accident, the extent or the degree of severity is unknown and so anything under the sun can happen.

When you talk about accidents, the word damage and injury goes along with it. When these trying times hit you, one of the most critical issues is financial issue. Considering that, the accident may come in a time that an individual or the family are also financially incapable.

In saying that then the burden gets to be heavier simply because since the mishap happened when the family is financially struggling then comes additional expenses for the medical treatment brought about by the accident. Or even worse is the fact that someone in the family died and there is no source of income. With an Accident Insurance you are assured that you are covered in the needs of your family.

To dwell to a particular accident insurance, we can talk particularly on the IPA or Individual personal Accident Insurance. This kind of insurance is catered to the individual. There are insurances that also address the family, etc.

The IPA more often than not comes in two types: Standard and Premium. The differences will be the coverage of each as it is translated also in the price difference of the two. With Standard, you get coverage but not as much as the Premium. But with Premium, considering extend of coverage, you may have to pay a bit more unlike Standard.

So in getting an accident insurance like any other insurance, you will have to consider what your requirements are. If your work environment tells you to get the premium type then consider it. Both types are good in comparison to having none at all, but at the end of the day the type you get will also dictate the experience you will go through in the event that you will require the use of your insurance.

What would be the point of saving some money in getting just the standard type when you will have to shell-out more because your coverage is limited. Rule of thumb in getting insurance is when you get one you should get a peaceful mind.

If you get one that is limited and every time you are exposed to the anything, you are hoping that if something happens it would only be to a particular extend then what that is. You can never know what will happen so the wider the coverage then the better.

The insurances are there to help, to better assist you in deciding what to get you can always consult an insurance agent.

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