Life insurance for patients

by Guest » Thu Dec 18, 2008 08:16 am
Guest

Is it possible for us to have a good life insurance coverage in case we undergo a bypass surgery? What if we're diabetic or thrive upon a high BP?

Total Comments: 7

Posted: Thu Dec 18, 2008 09:42 am Post Subject:

IMHO all you'd need to do at this point is to visit your doc from time to time. Your doc could pass on the necessary information regarding your health to your carrier. I'm sure you'd get a variety of quotes from different insurance companies. Since these are different cases, so the preferred rates would be offered by the giant carriers.

Posted: Thu Dec 18, 2008 02:05 pm Post Subject:

hi there,
According to me healthcare and benefit plans can truly help. What you need to do is to consult the doctors. Various tests will be conducted and reports will be provided. On the basis of those reports insurance companies take further steps to provide you the insurance.

Posted: Thu Jan 01, 2009 06:43 pm Post Subject:

If you are scheduled to have bypass surgery already, there is no life insurance company that I know of that will cover you until after the surgery.

Are you having surgery? Regarding the diabetes, I need to know what your A1C reading is. Also, how old were you when you were diagnosed with diabetes?

Posted: Tue Jan 13, 2009 05:13 pm Post Subject:

You can ask those questions on an Insurance company in your area. Just be sure to be honest and tell them all about your condition. Maybe they will advise you to get some tests to check on your physical condition. They might approve your application or not depending on the results. If they will approve it, maybe it can be on a much higher rate compared to normal insurance rates. IMO

Posted: Wed Jan 14, 2009 12:40 pm Post Subject:

I am sure that there are several reputable insurance companies that will offer you affordable life insurance even if you are dependent on insulin. However, an affordable plan that best suits your need can be found only after the consultation with an insurance company , but they aren't uncommon.

Posted: Wed Jan 14, 2009 01:42 pm Post Subject:

Dependent on insulin can be tough, but you may be able to get coverage in the table 4 to table 8 range from some carriers. Any case like this will be hugely dependent on the full medical history and any other health conditions or family history. This needs to be shopped with various carriers (a "pre-screen" if you will) before submitting ANY application. If you get declined for coverage, it WILL go into the MIB and every other carrier will be able to see it - you would then have to explain why you were declined on any future applications.

I would highly recommend finding an experienced agent to help you get coverage. If you would like to contact me, we may be able to help depending on what state you are in.

Posted: Thu Jan 15, 2009 09:07 am Post Subject:

I think its difficult to get reasonable health coverage after having bypass surgery. Not many insurer will cover an applicant with such per-existing condition. You will be treated almost as an uninsurable. However, the OP may find coverage with the state guaranteed health plans or the high risk pool, but that too would cost him higher than standard premium rate.

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