Jerry Falwell Insurance Advices

Archive for May, 2007

Need a safe condition that the accident policy covered us in a major economic imbalance. Not recommend to any customer insurance broken windows of the home because if it breaks, pay the cost and not cause any imbalance in our household economy. Insurance and daily allowance for absence from work was designed for the doctor or dentist working in private health and your monthly income depends on the number of patients who can attend, or for professionals working in public health and has a variable depending to do or watch the famous pieces to remove the waiting list. Normally we have those revenues to pay for a variety of expenses that we have fixed every month. The toilet that works exclusively in private healthcare is at the end of the month with a variety of expenses such as:

* Staff hired.
* Electricity, telephone, gas, expenses of the community, consultation, etc …
* Social security of workers hired.
* All costs are fixed in their private lives. (schools for children, mortgage, gasoline, telephone, gas, food, etc.).

Therefore, the Compensation Insurance for a day off work Temporary Total Insured compensates the part of income that can be levied, when due to an accident or disease contracted during the term of the Policy, the Insured can not exercise its work or usual occupation. The daily allowance will be paid from the day following that on which the exemption period established for the duration of temporary total disability, and a maximum for 365 or 545 days depending on the contract, unless agreed on a franchise that can be 0, 3, 4, 7, 10, 15 or 30 days. The period of temporary total disability shall cease at the time that the insured can resume their normal occupations. Guarantees that can be contracted are:

* Daily Allowance Temporary Disability arising from sickness or injury.
* Daily allowance for hospitalization for any cause arising from illness or accident.

Are insurable only those over sixteen years and under sixty-five years and who perform paid work. This warranty is also incompatible with the perception of any permanent disability pension or retirement benefit or unemployment benefit, so people are not insurable under which any of these circumstances. Compensation for maternity This guarantee is additional to the above, and through it states that for each birth or adoption, the Insurer guarantees to ensure the compensation provided for in the Special Conditions.

Daily allowance for hospitalization during the indemnity period provided in the Conditions, the Insurer guarantees to pay the insured daily allowance recorded in the Special Conditions, if required hospitalization due to illness or accident. Subsequent hospitalizations for the same cause should be considered as a single period of hospitalization. In cases of hospitalization for any type of birth, whether single or multiple, or normal the payment of the insured daily allowance is limited to maximum of 7 days from the day of delivery. Are similar to the delivery, cases of caesarean section and curettage. The payment of daily allowance shall be made by insured complete periods of 24 hours from the date and time of admission of the Insured at the health center, clinic or hospital. In no case shall indemnify any allowance for those hospitalizations than 24 hours. If the contract guarantee with franchise, the payment of allowance starts after the free period recorded in the Special Conditions. The compensation for this guarantee is additional to the security of daily allowances for temporary disability. Compensation is payable for as long as the Insured named as inpatient hospital and with a maximum of 365 days. Scope of the guarantees of the policy daily allowance for temporary disability is entitled to compensation for each day the Insured is in a state of total incapacity. In addition, you must request and receive appropriate medical care to the process that is affected. The day’s business is considered high for all purposes and therefore does not receive compensation. The right to grant accruals cease at the time they can resume partial or full development of their professional activities or even if they have not reached their complete healing. Also stop the accrual of the benefit from the time that the Insured pass a temporary disability to an irreversible and permanent disability at any level to develop their professional activities. In the event that suffered several illnesses at the same time or submit a new disease to the clinical course of disease initially reported, the grant will be insured as specified in the Special Conditions. If the new disease would cause a disease process other than stated above, run with a new deadline from the date it took place the beginning of the last illness. In any case, whether one or several consecutive periods with intervals of health, any Insured may yield health benefits and accident of the same process or diagnosis, for a time above the compensation period provided in the Conditions. Risks are not excluded from the guarantees of insurance in general for all securities, the following risks:

1. The direct provision by the Insurer of the medical and surgical services.
2. All diseases, chronic or otherwise, and injury or physical or constitutional defects which existed prior to the date of incorporation of the Insured to the policy concerned, even if there is no specific diagnosis and its consequences and / or sequels.
3. The consequences of war, disruption of public order events officially declared as exceptional phenomena, atomic nuclear catastrophe or epidemic, unless caused as a result of medical treatment based on that energy source.
4. Pathological processes that have the unique manifestation pain without verification by testing.
5. Diseases or aggravated by pregnancy, childbirth or abortion.
6. Any cure to submit voluntarily to the Insured, as cosmetic surgery, vasectomy, tubal ligation, etc.., Except as a result of illness or accident.
7. Diseases and accidents associated with alcohol, drugs or narcotics consumption, fights, challenges or attempted suicide.
8. The accident occurred in the exercise or practice of any professional sport.
9. Neurological diseases are not diagnosed and verified by tests.
10. Psychoses, neuroses, personality disorders, depression or stress, and all other manifestations of organic disease of the mind known as psychosomatic diseases.

These exclusions include both the illness, accident or event which is noted as sequelae, complications, reagudizaciones, specific treatments and other consequences and casualties caused by or resulting from the above. Waiting period was established as vesting periods for each of the guarantees for the security of Temporary Disability Allowance Journal there is no waiting period, that is, the coverage agreed to take effect immediately. For the security of maternity allowance is established a waiting period of 12 months from the date of such high security, as indicated in the Special Conditions. To guarantee the daily benefits for hospitalization there is no waiting period, that is, the coverage agreed to take effect immediately. In cases where the insurer claims to have received medical treatment in the last twelve months, the waiting period for this guarantee, for that cause, is twelve months. Termination of employment in any case, the insurance lapse, stopping automatically covers: • At the end of the annuity insurance in the Insured meets the 70 years of age. • When the insured transfers his residence outside of country. Respect to the security of Temporary Total Disability, in addition to the cases mentioned, also be terminated automatically when the Insured Coverage: • ceases employment or vocational training. • receives a pension for permanent disability. The termination of the contract takes effect from the date on which occurred the event giving rise to it. I hope I have clarified any questions you might have about this type of insurance.