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IHI Critical Illness ( Supplement to your IHI health insurance Valid from 2005) (Castellano )
Even the healthiest lifestyle cannot completely eliminate the risk of becoming ill. Changes in your health may be genetically determined or otherwise beyond your control.
If you become ill, your medical expenses are taken care of by your IHI Health Insurance. IHI will take care of issuing a guarantee of payment if you have to undergo expensive surgery.
Nevertheless, a critical illness could mean a heavy strain on your finances, and change your life and the lives of people closest to you.
Therefore, as part of IHI's healthcare solutions we are offering IHI Critical Illness to help you through times when you don't have any income due to absence from work.
With IHI Critical Illness you will receive the chosen insurance sum after we have received sufficient information from you. How you spend the insurance sum is your decision eg:
* Supplement any loss in your income while you recover
* Take time off from work eg in the case of a heart attack, many suffer from a second heart attack because they are financially unable to stop working
* Use the sum to reduce your mortgage or loan
Coverage for 11 critical diagnoses and surgeries
Advantages with IHI Critical Illness
* You can keep IHI Critical Illness up to age 65
* You can choose between different insurance sums
* You will receive the entire insurance sum, regardless of any other insurance you may have
* You only need to send the diagnosis and the medical records from your doctor - we will take care of the rest ensuring immediate payment.
Medical underwriting
When IHI receives your application, we will perform an individual medical underwriting evaluation. If you should have any additional individual risk factors, a premium loading will be applied.
Applicants having attained 45 years of age applying for the sum insured of USD 75,000 or USD 100,000 or the equivalent in other currencies, must provide the Company with a Physical Report from a General Practitioner in addition to the Application form. Please contact me to obtain the Physical Report Form.
Renewal
Once your individual premium is determined, no individual adjustments in relation to the renewal will be made. The premium follows your current age.
| Para pedir una cotización o una aclaración / For a quote or details: | |
| saniprof@mail.ddnet.es / dmh@e-consultas.com | |
| Fax: | (+ 34) 91 8032484 |
| Teléfono / 'phone: | (+ 34) 609 522 300 |
| Coverage for 11 critical diagnoses and surgeries | Insurance sums |
| Policy Conditions | Premium Table ( GBP / USD / EUR / CHF / DKK ) |
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