Well being Questions
Wish to know which coverage you may qualify for with Nice Western Insurance coverage? Listed here are the qualifying questions:
1) Within the final two years, has the applicant been a affected person in hospice, a hospital, or a nursing house for 5 or extra days?
2) Is the applicant unable to independently carry out routine actions comparable to bathing, dressing, consuming, toileting, or transferring to or from a mattress or chair?
3) Within the final two years, has the applicant been recognized with, been prescribed remedy for or handled by a healthcare supplier for any of the next ailments:
- Most cancers (aside from basal cell carcinoma), Tumor, Insulin-Dependent Diabetes, Human Immunodeficiency Virus (HIV), Acquired Immune Deficiency Syndrome (AIDS), or Acquired Immune Deficiency Syndrome-Associated Complicated (ARC), or any Dysfunction of the Blood, Kidney, Lung, Mind, Coronary heart, Circulatory System, or Liver?
- For Prescriptions: Please don’t mark “Sure” if the prescription(s) is a upkeep remedy and has remained the identical (or the generic equal) on the similar or at a decreased dosage for the previous two years.
- For Remedy: Please don’t mark “Sure” in case your go to(s) together with your healthcare supplier within the final two years was a routine evaluation of your upkeep remedy and no extra remedy was given or prognosis was made throughout your go to(s).
Assured Assurance or Assurance Plus?
When you’re gone by way of the questions above, then you definitely’ll understand how you’ll qualify. Right here’s the breakdown:
- Assurance Plus: If all the well being questions are answered “NO,” then the proposed Insured is eligible for a Stage Loss of life Profit.
- Assured Assurance: If a number of of the well being questions are answered “YES” or aren’t answered, then the Coverage shall be issued with a Graded Loss of life Profit.