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Can you get medical insurance for your family that's separate from your own policy?
Wiki User
∙ 13y ago
== == Yes you can and in many cases you should. You will very often find that individual coverage, if you can qualify for it, is cheaper than adding dependents on to your company plan. Because company plans generally cover everyone regardless of health condition they must charge more knowing that some people will use a lot of medical care. Individual plans that require approval can deny coverage to those who they know will use a lot of care, thereby offering lower coverage to those who are healthier.
This is not true in ''all states'' since some guarantee coverage to everyone even on individual plans. It may not be fair either, but that is the way the system works in most states.
Wiki User
∙ 13y ago
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Is construction insurance normally a part of the homeowners insurance policy or a separate policy?
Separate
Can you add step children to medical insurance policy?
When you get married, and either spouse has children, those children can be added to the policy. If you have a family plan, step children can also be added to a medical insurance policy.
Does Home owners insurance cover bodily injury for family members?
No, That's what you major medical insurance policy is for.
How can you purchase a life insurance policy for a family member?
contact an insurance agency, get the person to agree that it is okay for you to insure them, pay the money and wow...you have insurance There is no separate process to buy a life insurance policy for a family member. As long as he or she has granted consent and is willing to undergo the necessary medical exam one has to follow exactly the same steps as buying a policy for oneself i.e. calculate your premium, receive multiple quotes, choose your policy, complete the application form, complete the medical exam and pay the premiums once the medicals have been cleared.
Can you suggest options for medical insurance?
Now a days there are many Insurance provider companies offering range of medical Insurance policies, like; individual health Insurance policy, family health Insurance policy, group health plans and others. HDFC ERGO is one of the leading health Insurance policy provider, you can check HDFC ERGO's health policies.
Car insurance can coverage medical payment on motorcycle accident?
If you put medical insurance on the policy when the policy was purchased.
What is family medical insurance?
Family medical insurance is a medical insurance policy thast covers you and your family members under one policy. Everyone covered on the policy has a specific monthly premium that is billed as one dollar amount. For instance, you may pay $100.00 per month, your wife $125.00 per month, your son $75.00 per month, and you daughter $85.00 per month. The bill for the family medical insurance would cost the total of $385.00 per month. As long as everyone is under one plan, the plan will pay the same for each individual person.
Can you purchase your own separate medical insurance if you don't like the one-and-only option offered by your husband's employer and can you each use either one or both simultaneously?
You can purchase your own medical insurance, its called and Individual policy and many insurance carriers sell them. With an individual medical policy, you have to qualify. (you don't have any significant medical problems or past medical history) Individual medical policys also have pre-existing clauses-- they can deny any/all medical services for a medical condition they determine began before your policy began. Pre-existing clauses are usually for the first 6 months. Most, not all insurance plans "coordinate benefits". For example, if both you and your husband had health insurance through your separate employers, your insurance would be primary and your husband's insurance would be secondary and vice versa for your husband. It can be different for an individual policy/plan. Health insurance is very expensive in this country so most people can't afford to buy individual medical insurance.
Why might a medical assistant purchase a professional liability insurance policy separate from the employer's policy?
In order to provide themselves with additional (supplemental) coverage in case the employers insurance policy is insufficient. When the assistant wants an additional layer of coverage beyond the limits provided by the employers policy.
Is there such a thing as a family policy or does each family member have a separate policy?
== == Yes.
Does mobile home insurance cover flooding?
Usually flood insurance is a separate policy, for mobile homes or any other kind of home. Check the details of your policy, but normally flood insurance requires a separate policy or rider.
Can a life insurance policy with five family members be turned in to five policies?
The answer is in the negative. You are to opt for separate life policies for your five family members to cater their needs.
