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Critical Illness Insurance: What You Need to Know
Date:9/24/2007

ONTARIO, Calif., Sept. 24 /PRNewswire/ -- Designed to fill gaps in existing insurance coverage or be a last stop if you can't afford major health insurance, critical illness coverage offers a lump-sum benefit that promises to be helpful when battling a major disease. This payment can be used for any aspect of the illness and does not have to be related to the illness you were diagnosed with, says Frank N. Darras, the nation's leading disability and long-term care insurance lawyer.

(Photo: http://www.newscom.com/cgi-bin/prnh/20070717/NYFNSC02 )

According to Darras, this insurance is not meant to supplant health, life or disability insurance. Rather, it is payment for sickness, specific kinds of treatment not ordinarily covered by traditional insurance. See http://www.darrasnews.com.

Sounds simple.

"Not so fast," warns Darras. "Before buying critical illness insurance; be prepared. Understand exactly what is covered. Critical illness policies include many claim hurdles, limitations and restrictions and benefits can be difficult to collect. Understand what the insurance company considers to be a life-threatening cancer and how the diagnosis is defined in the policy. If there is a family history of a certain illness, the policy may exclude it. There may be pre-existing condition provisions to worry about. If you satisfy claim requirements, when will you get paid?"

Darras suggests:

-- Survival Period: Days the insured must live following diagnosis, to

receive benefits.

-- Waiting Period: Days you must wait before benefits are paid.

-- Covered Illnesses: What specific illnesses are covered; are they paid

at 100%?

-- Conditions of Payment: Specific criteria that must be met before the

benefit is paid.

-- Benefit Reduction Age and Amount: Most pol
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SOURCE Frank N. Darras
Copyright©2007 PR Newswire.
All rights reserved

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