 My 21 yr old son has racked up about $4200.00 in medical debt this yr that I have to pay out of pocket? |
My insurance has paid their part on seven ER visits on my son this yr.
Each visit was a result of him having a seizure and injuring himself. dislocating his shoulder several times and splitting ... |
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 I lost my diamond out of my wedding ring. Can I claim it on my home owners insurance? |
| Just the other night I looked down and noticed my 1.2 karat diamond was missing out of the setting on my ring. I didn't have it listed on our home owners. I can't find the receipt either ... |
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 Question about state farm auto insurance? |
| My payment was due on the 1st, and now it's the fifth. I just paid it today through online banking. The bank says it may not be processed until tuesday, but i have to get to work before then. Am ... |
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 My neighbors patio umbrella blew into my house during a storm - is he required to pay for the damage? |
| My neighbors patio umbrella blew into my house during a storm - is he required to pay for the damage?... |
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 Can i insure my car in england with a insurance co in bulgaria to save money? |
| ive heard that people in england are using insurance companies in bulgaria to insure there cars here at home as it is supposed to be a lot,lot cheaper? and if so does anyone know of these companys?... |
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 I'm interested in getting life insurance? |
| I have 2 kids both under 2 yrs old, I'm 26 yrs old, I have no health problems. 2 of my grandparents died of heart attack, and so did 3 of their parents. I don't smoke. I am aspiring to ... |
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 My Homeowners Insurance cancelled me because I have a Pit bull? |
| My Dog is sweet as ever and wouldn't hurt anyone, why do Insurance do this to homeowners?... |
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 Why does the premium drop when you add home insurance to an auto insurance? |
| When one has auto insurance alone, insurance companies state that if one is to also get home insurance from the same company, the sum of the two insurances will be less than the original auto ... |
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 Question for people without med insurance? |
| if u have everbeen injured can u tell me wht kind of injury it was and how much u were ... |
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 If you know about term life insurance this question is for you . . I am 40 years old? |
| and am replacing a couple of short term policies with a 20 year 500,000$ policy. House, auto and these policies are with state farm. My quote for preferred was about $70 per month - super preferred ... |
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 What can happen if I already cashed the check? |
| I cancelled my auto insurance after renewing, I did an electronic transfer but changed my mind on the contract and stopped payment on 2/05 (i did not know I could have just cancelled within 72hrs ... |
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 Do I HAVE to have homeowners insurance? |
I am a first time buyer in the housing market, and I am looking to pay for a home in all cash, no house payments.
I have put in a bid on a large modular home that is located in a "... |
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 What type of life insurance is right for me? |
| Hello i am seriously thinking about getting life insurance i am 18 and have an 8 month old baby boy god forbid that anything happened to me but if it did i want my son to be fully protected but I... |
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 Advise on home and auto insurance? |
I am changing my existing insurance company and I have 3 to choose from. I would like to have advise which of these 3 is the best.
Met Life, Traverlers, and Liberty mutual.... |
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| I'm planning on getting Life Insurance through State Farm. I'm 18. Is this plan good? |
| Me being 18, they told me its the best time to get it because it's the cheapest I'll be able to. They quoted a 25,000 dollar plan at $22 a month, which will NEVER go up, even if I'm 84.... |
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 If I were to die, who gets access to my life insurance benefits, if the beneficiary is a minor? |
| I want to make my son the primary benificiary to my life insurance policy, but what if I died when he was only 4 years old? If my sons father (my ex husband) got custody of my son and my son was the ... |
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HELP! | When you get health insurance, how long before you can make a claim?...i mean if you claim the next day surely |
they wont pay out?..... |
 |
 
jackipeters2002
|
You should be able to make a claim as soon as the coverage is effective. For Example if you take out apolicy on Monday October 1 and it is effective from Tuesday October 2nd and you break your leg on the 2nd it should be covered.
Call your insurance provider to verify |
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claimbankchargesback
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I don't think you'd be able to claim the next day.
When you take out your policy, you have to say that you have no pre existing conditions, or if you do have them, that you haven't suffered from them in a certain time period. If you put in a claim day after taking it out, then its obvious that you lied about having no conditions and so the insurance would be invalid.
The only exception I suppose would be if you had an accident and injured yourself that way, as that wouldn't be able to be predicted. |
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T
|
You can put in a claim as soon as you are effective. |
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Baby Girl Due May 2009!
 |
After your first payment has gone through |
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DF
 |
if it's a "pre-existing condition" you're not covered. |
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aires69uk OFFICIAL
 |
I consulted a colleague to ask her opinion and it was pretty much spot on what I thought.
If you were to take out a policy today and then tomorrow you had an accident or discovered a illness that could be claimed for, you could (in theory) record a claim on the policy straight away. I would however advise you to read through your policy wording thoroughly to check this.
Insurance companies are different from company to company, but work on the basis that the insurance company wouldn't cover a pre-existing accident or illness. In addition take into account that you will probably have a deferred period, typically 7 days or 14 days.
Any claim submitted a day after inception of the policy would undoubtedly be gone through with a fine-tooth comb though. |
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Expert Realtor
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You can make a the day it takes affect, assuming the VISIT to the doctor occurs on the same day. |
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dels replies
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There is usually a clause in your agreement as to how soon it is until you make a claim... Any existing medical condition must be declared at the time of application and you would not be able to claim for this existing condition... Really tou are expected to be perfectly healthy at the time the policy commences... |
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MrMiso
 |
It varies widely depending on your insurer and is usualy stipulated in the "short version" of the Terms and conditions (if there is one) otherwise you may need to wade through the small print for it.
Or become British, we may have a large amount of MRSA but at least they wont kick you out when your at deaths door because your cash is low. |
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kittykazuk
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Hmmmm - I'm sure it's about 3 months. Do you have a policy - check the small print but I think that's what mine was (before I cancelled it) |
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eriverpipe
 |
usually varies between 1 and 3 months, with somewhat longer for any pregnancy based benefits.... |
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