 Will my home owner's insurance pay for damage to a friend's car cause by a tree falling in my driveway? |
| the friend's car was parked in my driveway when a storm blew a tree (mine) over causing damage to the ... |
|
 OH MY GOD. i neeed help NOW. fast. please help me.? |
| dont ask, my friend and i went around her neiborhood to these apartment buildings, and we went to our friend's house and we wanted to show her this raw meat we had, and she wasnt home so we put ... |
|
 Does anyone know a good life insurance policy? |
| I have been shopping around for life insurance that will not cost crazy premiums, anyone have good experiences. I am in my 30's and in good health.... |
|
 Is a chiropractor allowed to charge more to an insurance company than they do to a client directly? |
| I have a limit to how much insurance I have per year and my chiropractor seems to charge considerably more if the insurance company is paying then to me directly. Is this legal?... |
|
 Is it true that once I turn 22 I will be dropped from my father's insurance even if I am still a student...? |
in college? Can I pay a certain amount a month to still be on his plan?
We have Blue Cross but I am not sure if that makes a difference.... |
|
 Insurance not responsive? time to get a lawyer? |
| my roommate and i were robbed about three months ago. they took several thousand dollars worth of things. we called the police and filled out a report. luckily we also had renters' insurance so ... |
|
 Automobile insurance and are they playing games with me? |
| Okay confusing situation, my sister and I got into an accident yesterday, the car is on her insurance, (she has full coverage). It wasn't until today that my neck started bothering me. So I am ... |
|
 Military question: USAA for home and auto insurance? |
| Since USAA is directed toward military, is it the better choice for military as far as rates and package deals, etc.??... |
|
 Car ???I had a car that was stolen recently and i owed $3000 to finance comp? |
I had a car that was stolen recently and i owed $3000 to finance compy
3 month before it was stolen I whiched my insurance from full coverage to liablity to save money
My car hasn't ... |
|
 If a Japanese doesnt have an english name, will the bank require him to have a diff signature? |
| if a Japanese will open a bank account or apply for insurance and he doesnt have any english name, will the bank or insurance company require him to have a signature other than his signature with ... |
|
 Can we recover the paid amount (premiums) even after the policy get lapse.? |
| I just wanted to know that can we recover the amount(not total policy amount but the amount what we have paid as premiums) even after the policy get lapse. My father got a LIC policy but it was ... |
|
 SOMEBODY HELP!! How can I get rid of $4200 bill they are trying to charge me for a stupid accident? |
| OK, I was driving a car without insurance, I was parked, backed up and other car coming in the middle of the street crash my car, he got the left front light broken and may be the bumper, but that... |
|
 Life Insurance as a supplemental investment? |
| I want to buy universal life insurance as an investment option to supplement my 401K and Roth IRA. I am 40 and single, no health concerns. Is this a good option to build cash value? If so, what ... |
|
|  |
dippyd | Does anyone know of an insurance company that won't discriminate against people with multiple sclerosis? |
Husband and sister-in-law both have M.S. and we are having great difficulty finding company that will give us a decent proposal.
Ones we tried so far, premiums too high and final payment not even enough to cover cost of flowers!!!!!!! HELP!!!! |
 |
 
ptdemon
 |
i would check with a ms charity as they might be able to help. but to be honest i don't think you'll have much luck with a mainstream one due to the nature of the disease.... sorry i couldn't be of more help. |
|
Jazzhands
 |
Would suggest speaking to a doctor or consultant who has probably encountered people in the same position before, and may be able to suggest someone for medical insurance.
Also if you are looking for travel insurance and live in the EU, the European Health Insurance Card (EHIC), covers a large amount of health costs that may be necessary whilst travelling in Europe, it's free of charge, and doesn't discriminate against any pre-existing conditions. |
|
solo
|
Unfortunately (and assuming you are talking about medical insurance) it is not a matter of social discimination it is simply the economics that you are in a far higher risk category than someone who is undiagnosed.
I would assume that they will ensure you for non-MS related illnesses at a reasonable rate but not for conditions that are MS related ... from their point of view I would think that they will view it as a poor risk if not a certainty of payout.
All I can suggest is that you contact an MS charity in your area and see if they have specific advice on insurance - unfortunately folk will have travelled your path before.
God luck |
|
oracle
 |
Just a suggestion as I am a professional Consultant for a Will Consultancy and Estate Planning Company:
If you are looking to purchase insurance to cover the cost of a funeral - then you may be wasting your time. If you do find a company prepared to insure you with MS, then the premiums will be excessively high with minimal returns.
Solution: purchase your funeral now with a "Pre-paid Funeral Plan." There are various plans available at differing costs, but the average is around £2000, depending how many cars are required etc. This cost can be paid in a lump sum if you have enough saved - or, you can spread the cost by paying monthly (like an insurance premium) over say 5 years.
Advantages are:
(1) funeral cost is set at todays prices, so even if the eventual cost is say £3000 - no worries - you have paid for it already. Virtually every expense is covered within some plans and you can even build in extra cash for unforseen circumstances or for the "Do" after! I know of people in their 20's/30's who have paid under £2000 for their funeral now knowing that if they live a long life - the eventual cost of the funeral could be around £15/20k - quite a saving by buying now don't you think?
(2) No medical questions are required as it's not insurance - ideal for people with serious medical conditions.
Hope this has been of use - best of luck for the future. |
|
Top Cat
 |
maybe a multiple sclerosis support groups can give you companies for this.
as for what they are (names) you should start by searching the net for them
good luck |
|
rs19uk
|
Your best bet is to set up separate insurance between you and your husband. At least then only half of your policies will be rated (made more expensive) This toltally depends on what you want the insurance for. |
|
mbrcatz
|
so, you want to pay the same rates as a guy being treated for cancer? Because that's what discrimination is - assessing potential costs, and lumping people into groups with similar potential costs, and charging rates appropriate to that group.
Kinda like car insurance - if there wasn't discrimination in car insurance rates, every one of us would pay the same rate as a 16 year old, with 3 drunk driving convictions and 5 at fault accidents. Would that be a good thing for everyone without that sort of driving record?
It means people without MS don't have to pay those exhorbitant rates, which is actually most of us . . . |
|
ChCh01
|
Your loved ones are not being discriminated against. You CAN NOT wait until you get sick and THEN try to get insurance. The insurance companies would never be able to collect enough premium to cover the claims. What you are asking for is charity.
I know MS is a horrible thing but if you are concerned with funeral expenses (I'm assuming this because of your comment about the cost of flowers) then I suggest you begin holding fundraisers or socking away as much as possible in savings now. I also agree the Pre-funded Funeral is a great way to go.
It can't be stressed enough: Get your insurance NOW while you are healthy and young. It is incredibly inexpensive if you buy it at the right time. You CAN NOT wait until you need it - it doesn't work that way. |
|
bocoo_man
 |
There not discriminating! Just because you're not willing to pay the price. Insurance company's are not in business to lose money. To answer your real question is yes I do but you will not like that price either Blue Cross ins. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
9 | 19 minutes(s) ago
| | | |
7 | 31 minutes(s) ago
| | | |
9 | 56 minutes(s) ago
| | | |
9 | 2 hour(s) ago
| | | |
9 | 7 hour(s) ago
| | | |
9 | 10 hour(s) ago
| | | |
9 | 2 day(s) ago
| | | |
9 | 4 day(s) ago
| | | |
9 | 2 week(s) ago
| | | |
9 | 2 month(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
