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Trauma Insurance FAQs


  1. Why should I buy trauma insurance?
  2. Should I buy this type of insurance?
  3. What medical conditions are covered by trauma insurance?
  4. What types of conditions do trauma policies not cover?
  5. How do I select a good trauma insurance policy?

Why should I buy trauma insurance?
Trauma insurance protects people financially when the policy holder falls severely ill and is hospitalized. The policy holder is offered a lump sum payment either after he is diagnosed or after 1 – 2 weeks of recovering. By opting for this type of insurance you can live without worrying about paying medical bills when you fall ill since the compensation you receive from the insurance company can be used to pay these bills.

Should I buy this type of insurance?
If you have hereditary diseases such as Alzheimer’s or if you are above 40 years and you have a family to take care of then you should definitely opt for trauma policies. If you have had episodes of serious health problems in the past then you will benefit from opting from this type of insurance plan.

What medical conditions are covered by trauma insurance?
Basic policies not only cover heart attacks, heart diseases, strokes, and cancer but also Alzheimer’s, Parkinson’s, loss of limbs, complete deafness, complete blindness and complete loss of hearing. In addition, comprehensive policies cover medical conditions such as partial deafness, partial blindness and head trauma. Basic policies usually cover 10 – 15 ailments where as extended or comprehensive policies cover additional 5-10 ailments.

What types of conditions do trauma policies not cover?
Trauma policies do not cover small health problems such as fever, minor wounds and bruises. This type of insurance only offers cover for medical conditions mentioned in the policy and the insurance company’s website. If you want to get insured to protect yourself financially from a specific condition, then always find out if that particular condition is covered before buying the policy.

How do I select a good trauma insurance policy?
Good policies are costlier than mediocre policies since good policies are flexible and can be customized according to the buyer’s requirements. Good policies cover majority of the medical conditions that affect people over the age of 40. In addition, filing claims for good policies is an easy task and in most cases claims can either be filed online or via the phone. Buyers who want to opt for good policies but do not want to pay a lot for the policy should get multiple quotes and compare these quotes before buying any insurance plan, this will allow them to save money and get the best benefits for a reasonable cost.


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