 Property or liability insurance? |
| I rent an apartment. I flooded the parquet floors (my own fault). They will have to be replaced but my insurance refuses to pay on property insurance because the floors are not MINE. They say the ... |
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 My Mom lost the stone on her engagement ring. Is there any solution?? Could she be reimbursed?? |
| Could she be reimbursed by jewelry store/insurance? What if it is not covered on insurance? Then she is probably screwed, right....?... |
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 My husband did not get offered COBRA? |
| He left his company after giving 2 months notice. It is a small company,(40 employees) he was a manager and they were very bitter that he was leaving. He was there for 7 years. He left so that we ... |
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 I was burned by hot grease at work in PA. Am I entitled to have workers comp pay? |
| I was injured at a resturant in PA by hot grease. A guy triped on accident and spilt a large amount of grease on my arm. It was a second degree burn. What am I entitled to?... |
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 Daughter had surgery a year a go and the insurance company is sayign they are not paying their half? |
| Our daughter had eye surgery a year a go on her eye lid. The lid was covering her eye in a way which could have the brain shut the eye down and she would be come blind in that eye. She has been ... |
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 Primerica (Citibank)? |
First off, i DO NOT need comments like how Primerica is a scam or w/e. What i'm interested in is whether the products that Primerica sells is as reliable as they say. For example:
$MAR... |
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 Can I take out a life insurance policy on someone else? |
| My sister and I would like to take out some sort of life insurance for my mom since my mom does not have any savings/401k nor does she have any life insurance. We just want to be prepared for when ... |
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 Can a person "cash in" early on a life insurance policy? |
| My mother has had a life insurance policy for over 30 years now. She had taken out 1000.00 about 3 years ago. NOW she wants to just pull all of it but doesn't know if she can. Does anyone know?... |
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 My friend is cashing my life insurance in can i stop them? |
| Because of my living situation at the time i decided to get life insurance i couldn't put it under my own name so i put it under a friends. i've been paying premiums ever since. now this ... |
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 Should I take COBRA or get individual health insurance? |
| I am 60 yrs old and have high blood pressure. My spouse is 62 and smokes. Under COBRA, we would pay $836 a month for medical and dental. That coverage started in February but I have until May to ... |
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 Insurance for cosmetic surgery? |
| Cosmetic surgery is soooo expensive. I would like to have a ton of stuff done to myself, nothing serious though, but I cannot afford it. I was thinking about getting insurance that covers cosmetic ... |
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 I Am 15Years Old And I Want My National Insurance Number? |
| I Turned 15 about 2-3 weeks ago and i started looking for a job bout 1 week before i turned 15. I had an interview in pret a manger yesterday but i don't think they realized I'm 15 as they ... |
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 Injury while shopping at a large Toys' store - should I retain a lawyer for maximum compensation? |
Hi All,
I injured myself 2 weeks ago while shopping at a large toys store. I walked into a flat cart and bruised my right leg middle shin bone. It still hurts today. The store called me ... |
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 Where can you get health insurance with a low monthly payment in Wisconsin.? |
| I just lost my health insurance and am wondering where I can get health insurnace in wisconsin? I am 22 and healthy. I cannot pay alot per month so that is my main worry.... |
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zen29sky | Individual Health Insurance Premium Increases? |
If I have an individual health plan which costs about $150 month, then for some reason I become seriously ill, can my insurance company raise my premium? If so, how much? Is there any kind of legal limitation? |
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puckfreak02
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This all depends on the renewability status of your health insurance policy. In many policies, the insurance company reserves the right to adjust your premiums at various times, such as a birthday. If this is the case, somewhere in your policy it will say that the insurance company reserves the right to adjust the premiums.
To be more specific on renewability status, if your policy is noncancellable, then the insurance company can not cancel your policy nor can they increase your premiums. If your policy is guaranteed renewable, then the insurance company can increase the policy premium on the policy anniversary date. In a conditionally renewable policy, the insurance company may cancel the policy, but only for reasons specified in the contract and they may also increase the premiums.
I do know that if an adverse health condition exists at the time the policy is issued, coverage for that condition will not be afforded for 2 years.
Long story short, the best advice I can give is to closely examine your policy to determine the renewability conditions and to check for a statement about when and under what conditions the insurance company can adjust your premiums.
I hope I was helpful to you. |
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JAN
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I wish there was a legal limit. Every year they raise our rates and almost every birthday too. We are paying more for medical insurance then for housing now. We will be paying almost $30,000.00 this year for a family of three. That is monthly medical insurance with our co-pays too. We can not afford to retire. |
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sig
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No it is illegal for an insurance company to raise your rates due to claims. They must raise everyone in a certain age, bracket, etc. They all go up. Be careful switching companies. If you do make sure your new policy is in force before cancelling the current one. Read, read, read.....make sure what you are getting. Typical rate increases are 8-15%. If you are in good health shop around about 3-4 years. |
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RAJENDRA J
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YES, MEDICAL TRETMENT IS SO COSTLY,MEDICINE IS MORE COSTLY |
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mbrcatz
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No, you don't get an increase for putting in claims on health insurance. The only time your rates will increase, is if 1. you move to another age bracket, then you get the rate for the new age bracket, or 2. the WHOLE age bracket gets a rate increase. |
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c q
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Glock has a self insurance plan that never fails, sad. |
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