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Why Opt for Pre Existing Conditions Insurance Cover

By Elissa Joyce Subscribe to RSS | February 2nd 2012 | Views:

For a long time now, most insurance companies have had conditions to be fulfilled before one could take an insurance cover. The most outstanding condition amongst these was with regards to pre-existing conditions. Many companies had to verify the status quo of the policy holder before giving the cover. This was to confirm that the risk insured against was not something whose signs were already visible.

There has, now, been an insurgence of insurance companies in the health insurance industry. This has led to the need for players to place attractive policy covers in order to keep up with the competition. Any insurance company that seeks to uphold a reputation in the insurance industry is now allowing the cover for persons with pre-existing conditions.

Health insurance premiums have also reduced to a large extent. This owes to the fact that many people are now taking insurance cover, hence spreading the risk to a larger pool. Compensation is then also made easy and fast for anyone in the pool who suffers a loss.

Health insurance for pre existing conditions has become a lucrative sector for insurance companies. This is because it goes against the insurance principle of uncertainty of risk, which previously drew a lot of criticism. This principle entailed the policy holder being unable to tell when the risk was likely to happen. Hence, persons with pre – existing conditions were excluded from insurance coverage.

At last, that chapter has been relegated to theory. If you, now, have been diagnosed with a pre existing health condition, you can take an insurance cover. This will help you in times when you urgently need medical attention, and family members are incapable of assistance.

Persons with pre – existing medical conditions may also gain by being assured of security during expected future cases of medical emergencies. As much as the insurance premiums for persons with health insurance for pre existing conditions may be higher, the insurance benefits are immeasurable. Assume that you do not have an insurance cover, and you suddenly become sick. You require urgent medical attention. There is bound to be agitation as you think of the hospital bills.

You cannot compare this with being relaxed, knowing that all is well financially. Decease is a state of mind; the more you keep your mind away from worrying about your medical condition the better. Your family members will also be protected from these worries. They will, hence, spare that time that would have been spent in fretting showing you love and care.

The secret behind ensuring that you have a smooth journey when paying your insurance premium lies in choosing a manageable policy. This saves you the agony of struggling to pay up your premiums. In fact, this is one of the reasons that many people are left stressed up when it comes to paying their premiums. Knowing how to handle your funds is, therefore, also essential in order to experience a triumphant journey in paying for an insurance policy. With the above, it is evident that you need an insurance policy to live a fulfilled life.

Elissa Joyce - About Author:
For additional information on reasons why you ought not to hesitate to take an health insurance premiums policy now visit

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