Some Statistics About Critical Illness Cover Claims.

Subscribe to a police d & 39; insurance is a wise idea. Qu & 39; it & 39; act d & 39; life insurance, & 39; critical illness insurance or income protection d & 39; insurance, you are required to pay premiums. Premium payments tend to vary depending on the type of & 39; insurance and the policy that you purchase. For example, if you take a combined critical illness cover with & 39; life insurance, the premium payment May be higher than usual & 39;. Whatever coverage you take, there are a few things to consider.
It can be embarrassing situation if you find your request rejected after years of contributions. D & 39; other hand, many serious diseases claims are also accepted. This can be achieved by carefully reading all the policy details and seeking the help of & 39; d & 39; insurance agents to explain the policy in full detail. Let& 39;s see some serious diseases statistics.
According request at Standard Life 2005, a sum of GBP19.8 million was paid probably about 342 applications. More precisely, an amount of GBP 58,000 May were paid on an average basis per claim. Also, the & 39; year 2005, 82 percent of serious diseases allegations were most likely paid compared to 80 per cent of the & 39; previous year. These figures may be d & 39; encourage virtually all claims have been paid. In addition, 18 percent of claims have been rejected. Of these, 10 per cent May were rejected because they did not meet the definitions of policies. The remaining 8 percent could be reduced because of non disclosure.
When out a serious illness, you must disclose all information regarding your health and your medical history. If your family members suffer d & 39; a hereditary disease, you should tell your critical health insurers. May they ask you to undergo some medical tests. After careful consideration of the results, they will then decide whether they can cover you. You May be even the right not to receive any health cover at all serious. Otherwise, they could increase the premium payment rates.
Furthermore, most polls show that nearly 63 per cent of serious diseases applicants were more likely to be & 39; aged 40 to 49. Also, 32 percent of people could be aged 0 to 39 years. In addition, approximately 52 per cent of serious diseases allegations May were for cancer and 13 percent of heart attack. About two thirds of people who have had their claims for their policies about 4 years.
Skandia, a leading market against major diseases has unveiled its report on allegations of February 2007. They claim to have paid 1,920 claims amounting to summarizing the May be GBP182 million. They also revealed that & 39; average age of applicants were more likely & 39; be 46. In most cases, serious illnesses allegations were cancer, nearly 58 percent, heart attack, about 15 percent, cardiac surgery around 8 per cent and stroke about 7 percent. More statistics show that the most common forms of cancer were more likely claimed: breast cancer, GBP23million, lower intestine GBP11 million, GBP9 million malignant melanoma and prostate GBP7 million. In addition, they contributed approximately 88 percent of claims while the other 12 percent have been rejected because they did not correspond to political criteria or not disclosure.
Critical health insurance regard to the disclosure of your medical history strict. Before & 39; buy a critical illness insurance, you should make sure to choose one of the most competitive in the market. Do not always attracted serious diseases policies with low costs. May they not give you all the advantages you expected.
For d & 39; more information on & 39; life insurance and critical illness insurance please visit www.unbeatablelifeandcriticalinsurance.co.uk.



Bookmark it: