General insurance Can a sickle cell carrier get insured under health premium policy?

[sincerem]

Remember that if one is prone to fall for unheralded circumstances, that will limit it's benefits for a particular premium policy plan he or she opted in for. And again it will cost such person more funds to get insured to the premium policy plan which he or she is prone to.

A sickle cell carrier is prone to get steady health attention when given health insurance protection by any insurance company. It is seen as a financial risk for the insurance company that wants to offer him or her premium policy due to its unhealthy life condition.

Sickle cell is a deficiency which causes shortages of blood, and insurance company will always be in the race to give blood transfusion assistance to the sickle cell patient. That will be whole lot of financial drainage for the company, I don't even think they can offer any premium policy for a victim of sickle cell.

Do you think a sickle cell carrier can get health insurance cover?

 

[btaliat]

Health insurance is of comprehensive type. It covers any sickness even ordinary headache. The only problem is that if one is diagnosed of having sickle cell anemia, it means the premium thay will be charged will more than normal because of the terminating nature of the sickness. In short, health insurance cover it.

 

[Phabbyfundz]

Health insurance as the name implies serves as a means of indemnity against a future occurrence of an uncertain event , and a sickle cell carrier is prone to sickness so is every one, and since health insurance covers for any uncertain event of sudden sickness or ailment be it reoccurring or not I think it would Aldo apply to any one be it a sickle cell carrier or not.

 

[sincerem]

Health insurance is of comprehensive type. It covers any sickness even ordinary headache. The only problem is that if one is diagnosed of having sickle cell anemia, it means the premium thay will be charged will more than normal because of the terminating nature of the sickness. In short, health insurance cover it.

You're opinion is indeed the right. It can insure any one who is facing any kind of health related issues cos it is mainly for the well-being of it's customers. Protecting them for any kind of illness that is challenging to their well-being. But it will be much on the insured cos the charges will definitely be high in order to cover up for such illness.

 

[Chibson]

Definitely a sickle cell patient can be insured by an insurance company because health insurance comprises of so many sicknesses that human beings go through. There are so many sicknesses on earth, so it depends on the kind of insurance company you go into and they kind of agreement you have with such company.

 

[Lens1000]

The terms of coverage Is always written boldly in the agreement. You would need the services of the insurance broker to better understand and know how the policies operates.i think the insurance company would not want to cover demanding ailment like the sickle cell condition. If it would be possible, then the policy holder should be ready to pay high premium

 

[sincerem]

Definitely a sickle cell patient can be insured by an insurance company because health insurance comprises of so many sicknesses that human beings go through. There are so many sicknesses on earth, so it depends on the kind of insurance company you go into and they kind of agreement you have with such company.

I am believing so, that it is possible to get health insurance cover under sickle cell disease. Cos it is a disease which is disturbing to the well-being which insurance companies claimed to protect every health aspect of the person regardless of types. But the premium policy charge for more severe illness is high, due to its trait to their finance.

 

[Wisdom01]

I am sure that there might be coverage for such sickness ,but the problem is that since the risk is high , I think the person should be ready to pay a high premium for such coverage , because the insurance know that there are more certainty for the person to be ill

 

[sincerem]

I am sure that there might be coverage for such sickness ,but the problem is that since the risk is high , I think the person should be ready to pay a high premium for such coverage , because the insurance know that there are more certainty for the person to be ill

Surely the victim of sickle cell will pay higher higher premium in order to get his or her illness being covered by insurance company. Because insurance company knows that such customers will come to drain their pocket because the disease it's simply risky, because the victims seek often health treatments.

 

[Wisdom01]

Surely the victim of sickle cell will pay higher higher premium in order to get his or her illness being covered by insurance company. Because insurance company knows that such customers will come to drain their pocket because the disease it's simply risky, because the victims seek often health treatments.

Yeah the insurance company know that and they are trying to play safe , they are a profit making entity and insuring high level of risk as such comes with so much money in catering for the person health , so they won't want to be at loss at the end , but also find a way to get their own profit

 

[Mandy96]

First of all sickle cell disease is a natural type, anybody suffering from such sickness is born with it. In some sense, if you look at it, it will seem like a loss for the insurance company but in another angle it could serve as a means to profit because the client will still have to keep paying the premium

 

[Wisdom01]

First of all sickle cell disease is a natural type, anybody suffering from such sickness is born with it. In some sense, if you look at it, it will seem like a loss for the insurance company but in another angle it could serve as a means to profit because the client will still have to keep paying the premium

Exactly but the insurance company won't also want to end up in loss , so they would basically choose to get more money from the high premium the person would be paying at the end of the day , because they know how basically that the sickle cell usually sick every time and covering the cost only is huge too

 

[sincerem]

Yeah the insurance company know that and they are trying to play safe , they are a profit making entity and insuring high level of risk as such comes with so much money in catering for the person health , so they won't want to be at loss at the end , but also find a way to get their own profit

Sure, every one stated simply for the profit. No business owner will accept to be pegged by losses, profit it's simply what matters when it comes to business of this calibre in insurance company. They'll always analyse critically to find out solutions to always play safe and not losing money for a very prone insured health issues.

 

[btaliat]

The terms of coverage Is always written boldly in the agreement. You would need the services of the insurance broker to better understand and know how the policies operates.i think the insurance company would not want to cover demanding ailment like the sickle cell condition. If it would be possible, then the policy holder should be ready to pay high premium

You are surely right. All what the insurance policy will cover would be boldly written for the intended purchasers of the insurance policy to see. But most time, people don't take their time to read through all these terms and conditions for the reasons best to known to them or maybe there is no agents or brokers to put them through.

 

[Wisdom01]

Sure, every one stated simply for the profit. No business owner will accept to be pegged by losses, profit it's simply what matters when it comes to business of this calibre in insurance company. They'll always analyse critically to find out solutions to always play safe and not losing money for a very prone insured health issues.

If they are making loss , the business would actually have slow growth interms of development , because they would actually need money to run the business on a current basis , as they would need to pay the workers salaries añd many other important things or documents in the organization too ,

 

[btaliat]

The main reason why I said the health insurance under this category will be very expensive because the problem is too expensive to maintain. We all know that insurance company is there to make money as well and they won't be spending much on someone with a chronic disease without collecting much premium.