condition assurance - What Does it Cover?

Health Insurance - condition assurance - What Does it Cover?

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Health insurance, secret condition insurance, curative insurance, full, curative insurance - they are all names for the same kind of insurance cover. They all recommend that the course possessor will be protected against the financial cost of curative bills, allowing them rapid way to whatever rehabilitation is required and the selection of when that rehabilitation is delivered.

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Rarely, however, can any insurance cover be so open-ended and condition insurance is no exception. Like most insurance, secret curative insurance also has its fair share of exclusions that can catch some citizen out when they eye that their insurer declines to pay for some rehabilitation that they had imagined would be covered.

Indeed, in a 1998 narrative on secret curative insurance generally, the Office of Fair Trading was somewhat needful of the wide range of policies that offered distinct levels and types of cover to their respective policyholders. In response to this criticism, the relationship of British Insurers published some useful guidelines - Are you buying secret curative insurance? - which set out what it described as "core product" features that most insurance plans should offer and an explanation of the most common types of exclusion.

The core product features of most condition insurance, therefore, should include cover for:

- Treatment of acute curative conditions (where and acute condition is defined as "a disease, illness or injury that is likely to talk swiftly to rehabilitation which aims to return you to the state of condition you were in immediately before suffering the disease, illness or injury which leads to your full recovery");

- Surgery;

- Hospital accommodation and nursing care; and

- In-patient tests and procedures.

When it comes to the exclusions from this core product, these are defined by a term that will be well-known to whatever who has arranged any type of insurance that involves any form of curative health; namely "pre-existing conditions".

Although policies will differ in their detail (and should therefore be carefully carefully before committing to a particular condition plan), the normal definition of a pre-existing condition is one for which the policyholder received rehabilitation or suffered symptoms commonly within 5 years of applying for the insurance. Under the majority of policies, the insurer will simply decline to meet the cost of any rehabilitation for such conditions. With other policies, however, a so-called "moratorium" is applied. Although no cover is available for the pre-existing condition while the first two years of the policy, if the course possessor has been free of any such pre-existing condition while this two-year period, the insurer will pay for its rehabilitation after the two-year "moratorium".

In a similar vein, the divergence between "acute" (as described above) and "chronic" is relevant. Lasting conditions are those that wish repeat rehabilitation over a distance of time. Such Lasting conditions are also excluded from the condition insurers' core product and patients seeking secret rehabilitation would have to pay for that rehabilitation themselves.

Treatment in Nhs accident and accident departments is excluded from curative insurance plans, but any subsequent transfer, because of extended hospitalisation is likely to be covered.

Private condition insurance will also commonly exclude the need for any rehabilitation arising from gravidity or childbirth.

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