Author: awsstreet

Critical illness is a severe health condition that devastatingly affects an individual’s way of life and requires a lot of money for the treatment. It might likewise prompt to loss of salary because of the disability to work. Few examples of critical illnesses are Coma, Heart attack, Cancer, Blindness, Deafness, Paralysis, Parkinson and  Alzheimer`s disease etc. Make sure when you buy the Critical Illness coverage the above mentioned diseases get covered.

Condition of Critical Illness

The condition of this serious illness will rise each day. Intense illness likewise mean loss of wages, change in way of life and perpetual disability. The monetary burden could be more serious than what a reimbursement health coverage plan would cover. To battle this issue one needs to get a Critical illness insurance which meets your expansive restorative cost and additionally gives a lump amount compensation to meeting your everyday costs without making you keep running in an over the top race for money arrangement.

Who Should Buy Critical Illness Policy?

There is a justifiable reason or motivation to purchase Critical illness insurance Cover, particularly for the earning individuals from the family. As per the information aggregated by the Canadian Medical Association, 1 in 3 individuals in Canada develop life threatening cancer and 1 in 2 hear attack victims are under the age of 65. With hospitals investing intensely in specialty equipment, cost of treatment is just escalating.

Once a person is hospitalized, coincidental expenses can go out of this world. Take cancer for example. Herceptin (breast cancer medication) may cost anyplace between 1500 CAD /vial and 2500 CAD /vial. A patient needs no less than 16 vials. Correspondingly, an angioplasty can cost anyplace between 2000 CAD and 8000 CAD. Getting a best Critical illness plan is just is by all accounts a reasonable option. Compare cancer insurance plan and protect yourself from the costly cost of cancer medications.

Critical illness Insurance coverage is a best option if

•  You don’t have any reserve funds to help you in the event that you severely fall sick.

•  You don’t have employee benefits to cover a time frame off work because of Critical illness.

Benefits of Critical Illness Insurance

What will happen to you and your family if because of any severe illness you would not have the capacity to make your living? On top of that you should bring about the treatment costs, Parking expenses in hospital, day care expenses of children and so on. Here comes the Critical illness health coverage which will give you lump sum amount in case you are determined to have severe illness secured by insurance policy. Aside from this, different advantages offered by Critical illness policy are-

•  Include cost of care and recovery help

•  Tax benefits

•  Free health checkups

As per most of the insurance policies the diseased should survive for more than 30 days after the Critical illness has been diagnosed to get the benefit. The lump sum benefit is paid to the individual depending upon the amount chosen. Some policies also cover costs like donor costs in a transplant surgery which are not secured under typical health coverage policy.

You can contact Munish mehan as he plan life insurance for people who understand the value of a life insured estate.

You can reach him at insurance.munishmehan@gmail.com

Please be in touch if you need any assistance.  www.Thesupervisa.com, 587 718 8001

You can connect with him on LinkedIn  

https://www.linkedin.com/in/munish-m 6aa273114?trk=nav_responsive_tab_profile

What to do if your luggage gets delayed

a. Report to the carrier agency

When you realize that your luggage is delayed then you can immediately report it to the carrier agency such as airline, tour operator agency. If the delays are lengthy and which affects your travel plans then you can ask for the compensation.  Even it can allow you to replace essential items which you may need while you wait for your bags to be returned.

b. Get the report in writing

The report relating to Property Irregularity Report (PIR) should be issued from the carrier agency confirming the delay and any compensation offered to you. Once your luggage is delayed, then make sure that you get the written confirmation about the delay from the airline or the carrier agency.

If the delay of the luggage is covered under the travel insurance policy then you will be reimbursed as per the policy stated.  The insurance cover for the delay may vary when the luggage gets delayed by days instead of hours.

c. Keep your receipts

You should keep the receipts regarding any essential items that you have purchased due to the delay of the luggage. You can keep the receipts of tooth-brush, tooth-paste, medications and any extra clothes that you buy while waiting for the delayed luggage.

Before you buy the necessary items while waiting for the delayed luggage, make sure that the items that you buy are not too expensive and there is limit for the expenses in the travel insurance policy which you should not be crossed. Read your policy and the instructions carefully before you purchase it and keep all the original receipts before making the claim to cover these expenses.

d. Know more about your travel insurance plan

We suggest you to know more about your plan clearly before you purchase it. There are many plans and every plan is different having different options. Find the most suitable plan for you and read it carefully to understand all options.

Any questions you have in the mind ask it and get the clarification from the insurance agents.

What if your luggage gets stolen or damaged

a. Report to the carrier agency

When you realize that your luggage is either stolen or damaged then you can immediately report it to the carrier agency such as airline, tour operator agency. You have to make the list of items present in your luggage which is lost or damaged.

You have to make sure that the lost or the damages of the luggage are covered under the insurance policy and offers suitable compensation for the lost or damaged luggage.

Also it can offer compensation for the travel plans affected due to the inconvenience occurred.  Even it can allow you to replace essential items which you may need while you wait for your luggage to be returned.

b. Get the report in writing

The report relating to Property Irregularity Report (PIR) should be issued from the carrier agency confirming the loss of the luggage or the damage to the luggage. Once the luggage lost or damaged then make sure that you get the written confirmation about the possible loss from the airline or the carrier agency. If the loss or the damage of the luggage is covered under the travel insurance policy then you will be reimbursed as per the policy.

c. Keep your receipts

You should keep the receipts regarding any essential items that you have purchased due to the delay of the luggage. You can keep the receipts of jewelry,  goods, medications and any extra clothes that you buy while waiting for the delayed luggage.

Read your policy and the instructions carefully before you purchase the items which can be reimbursed under insurance cover. Keep all the original receipts before making the claim to cover these expenses.

d. Know more about your travel insurance plan

Understand the travel insurance plan clearly before you purchase it.  Any questions you have in the mind ask it and get the clarification from the insurance agent.