Wednesday, 22 January 2014

What Are Pre-Existing Conditions?

By Maryl Joop


Being sick is one of the worst things known to man, and it is something that every man, woman, and child has to deal with at some time in their lives. Some of these sicknesses are short term, such as the flu, the common cold, or even a killer case of the kissing disease, mono. These short term illnesses are uncomfortable and not fun at all, but, you can take comfort that they will end, and you will be able to continue with your life.

As long as there are people willing to pay good money in order to feel more protected, there will always be people that are willing to accept that money in exchange for an insurance policy they are not likely to have to cash in on. We have compiled a list of the four weirdest insurance policies that you could currently go out and buy, although we cannot say if we recommend it.

4. Runaway Bride Insurance -- You would think after spending so much money on a wedding, no one would want to spend any more on insurance covering whether it will go through or not.

The best way to revive someone that has just flat-lined is to use CPR. It stands for cardiopulmonary resuscitation and its purpose is to restart the blood flow to prevent any brain damage. It must be applied within six minutes of the patient losing blood flow or it will be ineffective.

3. Improbability Insurance -- This insurance is less specific. It protects you in the case that something really improbable happens. For example, there is one couple that decided to take a gamble and buy insurance to reimburse them if they had twins and therefore had one extra mouth to feed.

Some long term illnesses are more limiting than others, but when we look at the lives of heroic figures with long term medical issues, we can see the potential to live a full and impactful life even with trials. Look, for example, at Helen Keller. Though she was unable to see or hear for her entire life, she was still able to travel the world, inspire people, and most importantly, communicate.

Having a good network can help every life be more fulfilling and generally better. One of the difficulties of long term illness is finding insurance. Having insurance for these illnesses can be difficult but is extremely important. In 2014, the difficulties of insurance with pre-existing conditions will become less difficult as more insurance providers will be required to insure everyone.

1. Body Part Insurance -- How about instead of getting health insurance, you save money and invest in just one body part? That is what many famous stars are doing these days in order to protect their money-makers. For example, America Ferrera, star of "Ugly Betty" whose trademark was her braces filled smile had it insured for 10 million dollars. Us regular Joes on the other hand, would find little to no reward in paying for insurance for just one body part that is just as likely to get injured as any other part of our body would that may be covered just as well by regular health insurance.




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