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Whose Going To Pay Your Bills During A Medical Leave? Stradling & Spece Insurance Agents In Honey Brook, That’s Who!

September 30, 2008 by Sammy · Leave a Comment 

Certified Insurance SpecialistsShould You Get a Supplemental Health Insurance Policy? Stradling & Spece Insurance can answer your questions!

Generally, supplemental insurance is thought of as only for senior citizens on Medicare. However, anyone can buy a supplemental policy. These policies work with the insurance coverage you already have, acting as an “add-on” to give you extra coverage. With this type of insurance, you typically receive direct cash benefits regardless of what your other insurance pays.

There are three main types of supplemental policies:

Disease Specific Insurance. This policy pays you cash benefits if you require treatment for a specific disease, such as cancer.

Accident Health Insurance. This policy reimburses you for medical costs resulting from accidents. It can also pay cash benefits if the accident disables you or if you lose your vision or a limb, finger, or toe. If you die because of an accident, your beneficiaries receive the payments.

Hospital Indemnity Insurance. This policy provides a daily, weekly, or monthly cash benefit if you’re in the hospital for over a specific number of days.

Should You Get a Supplemental Policy?

Before you consider buying supplemental medical insurance, you must have a good basic insurance policy. Then, you might consider a supplemental policy if you can afford it and you’re at high risk for serious illness, accidents, or hospitalization - for example, if your family has a history of cancer or another serious health problem. Read more

Make sure to get your travel insurance from Joseph D Boyle Agency Nationwide Insurance

September 19, 2008 by MeghanN · Leave a Comment 

Joseph D BoyleTravel insurance is insurance that is intended to cover medical expenses, financial (such as money invested in nonrefundable pre-payments), and other losses incurred while traveling, either within one’s own country, or internationally.

Travel insurance can usually be arranged at the time of booking of a trip to cover exactly the duration of that trip or a more extensive, continuous insurance can be purchased from (most often) travel insurance companies, travel agents or directly from travel suppliers such as cruise lines or tour operators. However, travel insurance purchased from travel suppliers tends to be less inclusive than insurance offered by insurance companies.

Many people deeply regret not taking out travel insurance. They think their credit card accident cover, home insurance, or private health cover is sufficient.

 

What should my travel insurance policy cover?

- Medical and health cover for an injury or sudden illness abroad - more infomation on medical and health cover

- 24 hour emergency service and assistance

- Personal liability cover in case you’re sued for causing injury or damaging property

- Lost and stolen possessions cover

- Cancellation and curtailment (cutting short your trip) cover

- Extra cover for activities that are commonly excluded from standard policies, such as jet skiing.

- The policy should cover the whole time that you’re away. Read more

Rick LeCates Insurance Services - Do you know what your travel insurance should cover?

September 16, 2008 by Raluca · Leave a Comment 

Rick LeCates Insurance ServicesTravel insurance is insurance that is intended to cover medical expenses, financial (such as money invested in nonrefundable pre-payments), and other losses incurred while traveling, either within one’s own country, or internationally. Travel insurance can usually be arranged at the time of booking of a trip to cover exactly the duration of that trip or a more extensive, continuous insurance can be purchased from (most often) travel insurance companies, travel agents or directly from travel suppliers such as cruise lines or tour operators. However, travel insurance purchased from travel suppliers tends to be less inclusive than insurance offered by insurance companies. Many people deeply regret not taking out travel insurance. They think their credit card accident cover, home insurance, or private health cover is sufficient.

What should my travel insurance policy cover?