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Today, Canadian citizens with a chronic health condition can obtain affordable health insurance. Still, such coverage does not always guarantee sufficient financial assistance. If you have critical illness, and forced to stay home for an extended period. Obviously, that home bound individual cannot become the recipient of an anticipated paycheck.
Anyone with a critical illness must accept the fact that there could be times when he or she would be unable to work. During such periods, it would help to have some form of financial coverage. Purchase of the right type of insurance policy guarantees the availability of such coverage.
What sort of health condition should an adult have in order to qualify for critical illness insurance?
In the past patients with cancer have complained about how difficult it can be to go after health insurance. This alternative ensures the accessibility of a useful policy. Of course, such policies provide cover to people with diseases other than cancer. For instance, a patient with Alzheimer’s can obtain added coverage by purchasing critical illness insurance. The same coverage given to a victim of Parkinson’s, AIDS or ALS. If you were a heart attack victim, the coverage offered by this policy will not cover your payments.
Is there a guarantee of a promised payment at any time?
Not everyone must meet certain qualifications in order to obtain the promised payment. Payments are awarded to those people that remain in good health throughout a survival period. The exact length of that period varies, and depends on the nature of the policyholder’s illness.
Policyholders that fail to stay healthy for the established survival period should not expect any payment, while being unable to work. That denial of payments would also deprive the same sick individuals of money for medical treatments, medical devices and attendant care or nursing care.
What to do if the coverage is denied?
In that situation, if you don’t get the coverage then, you should be prepared to fight the insurer’s decision. Naturally, a smart adult would not plan to pursue such a fight alone. Rather, he or she should search for and obtain the services of a dependable personal injury lawyer in Hamilton.
Are there other chronic conditions that is not been covered by the new type of policy?
Certainly, there are other chronic conditions,which force adults to take off time from work. Some like asthma last only a few days. Others, such as hydrocephalus can create a sizeable hole in the resume of any working adult. Treated by means of an implanted device, it can force an employee, to undergo repeated operations.