Critical Illness 101 - usa critical illness. Page 2

When filing a claim for Critical Illness Insurance or Disability Insurance, if independent medical examinations

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are mentioned do not be alarmed. Insurance companies often request that you are seen by a doctor other than your regular doctor to be sure that you are receiving the proper treatment (a second opinion scenario) and also to be sure that your claim is valid. This is no way a slur directed at you personally. Independent medical examinations serve two purposes. The first is to be sure that you are on the right road to a quick and healthy recovery. The second is to prevent those would try to receive fraudulent benefits. Fraud, if allowed, could raise the few dollars per week that Critical Illness Insurance and Disability Insurance cost the average person to a price out of reach, and many who do find themselves grateful for their benefits when the need arises would not have chosen to purchase this invaluable insurance at such a premium. Therefore, as you can see, independent medical examinations ensure proper handling of your case and are not meant to add an extra stress. ( personal loans ) If you are still one of the masses who has yet to commit to a Critical Illness Insurance policy or Disability Insurance policy, the next time you sip that ( life insurance ) coffee, listen to that new CD, or pick up the lunch tab for a co-worker, stop and ask yourself why. Can you really afford to be without it?