In this world of uncertainty we live in, it is vital to make sure you are insured to cover any eventuality, and that would include, taking out a policy that covers you in the event you become critically ill. Many employers automatically cover their workers for a range of medical conditions, and this would include cancer, heart disease and other critical diseases. There is a range of policies that cover various medical conditions and if you have suffered al illness and think you are covered by either your own, or your employer’s insurance, you should contact an experienced critical illness claim lawyer.
Sourcing the Right Lawyer
When making a critical illness claim, it is essential to seek out an experienced critical illness claim lawyer, and with their expertise, you will be able to quickly determine the chances of success. If the lawyer thinks you have a strong claim, he or she would likely offer to represent you on a “no win – no fee” basis, which eliminates the risk of a huge legal bill and an unsuccessful claim. When searching for legal help, it is important to look at the law firm’s success rate, and anything over 90% is a clear indication that the lawyer is very competent.
Each insurer would have their own terms and conditions, and most would not cover things like injuries sustained from extreme sports or self-harm, and if it always wise to read the terms and conditions of any insurance policy very thoroughly before making a commitment. It is often the case where the insurer will underpay the policy holder, which is another good reason to seek experienced legal assistance, as they will ensure that the insurer’s offer is fair.
Lump Sum Payout
This type of insurance is where the insurer and insured agree on a contract and should the insured contract any of the listed medical conditions, the insurer would pay an agreed sum. Unfortunately, it is not always cut and dried, which is why you should always enlist the help of an experienced critical illness claims lawyer, who can make sure you receive fair and just treatment. In cases where the lawyer thinks the payment is inadequate, he or she would negotiate on the client’s behalf, ensuring a fair compensation.
Common Illnesses Covered
Most critical illness insurance would cover the following medical conditions:
- Heart Disease
- Kidney failure
- Parkinson’s Disease
The policy would typically cover Alzheimer’s disease and HIV that was contracted via a blood transfusion, and it is always wise to check the terms and conditions of any insurance policy when taking out the cover.
Dealing with a critical illness claim can be emotionally draining, and this is why you should enlist the help of an experienced legal firm, and with their expertise, you can be sure that you will be treated in a fair manner. There are experienced lawyers available and all it takes to source such a professional is an online search.