Most of us take Life Insurance policies and other such covers when we are younger, healthier...and then on just pay the premiums and keep them alive.
Given the expenses we had to incur without health insurance coverage, we were forced to take a closer look at all these policies I had.
By accident V found that one of my Life Insurance policies had a rider/add on of critical illness and Kidney Disease was one of the listed illnesses. The only catch was, he read this after the transplant was done. We checked with the provider if we could still claim this and the answer was "yes."
Given how stingy insurance companies are with claims, we were quite sceptical and were fully prepared for our claim to be rejected. With a request of one additional document from the hospital and all my medical reports, to our surprise - lo and behold, they actually approved it and we got the due money. Given it was just a rider, the amount isn't a whole lot. Its just a fraction of the cost, but is better than nothing.
Talk of counting blessings eh?
Lesson learnt: Find some means to remember what each of your policies entitle.
Given the expenses we had to incur without health insurance coverage, we were forced to take a closer look at all these policies I had.
By accident V found that one of my Life Insurance policies had a rider/add on of critical illness and Kidney Disease was one of the listed illnesses. The only catch was, he read this after the transplant was done. We checked with the provider if we could still claim this and the answer was "yes."
Given how stingy insurance companies are with claims, we were quite sceptical and were fully prepared for our claim to be rejected. With a request of one additional document from the hospital and all my medical reports, to our surprise - lo and behold, they actually approved it and we got the due money. Given it was just a rider, the amount isn't a whole lot. Its just a fraction of the cost, but is better than nothing.
Talk of counting blessings eh?
Lesson learnt: Find some means to remember what each of your policies entitle.



