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Many insurance companies including the topnotch ones, nowadays, offer a special type of coverage called as ‘short-term care’. Quickhealthinsurance offers quotes for short-term care insurance from various insurers.
A conventional short-term care insurance or STCi policy provides coverage for a maximum of one year. To many insured, this is perfect and reasonable amount of coverage. Though some claims last for so many years, half of the STC claims last for one year or even less.
Most of the policies have a zero-day deductible (elimination period) along with a full year of insurance benefits. It denotes that the STCi policy pays on the very first day someone qualifies for the insurance benefits. On the contrast, typical long-term care insurance (more than 90%) are traded with a ninety-day deductible and that should be met prior to the benefits are paid.
It is pertinent to know that unlike typical long-term care insurance policy (LTC) which is not allowed to pay in addition to a Medicare plan, STCi policies may pay along with a Medicare.
Generally STC applications contain 8 to 10 health related questions. If your answer is ‘NO’ to each and every question, you’re almost (95%) through the process of health underwriting. Nevertheless, there are some STCi policies which have only 2 YES/NO questions. These policies are simply perfect for the applicants with pre-existing health conditions.
Typically an individual between the age groups of 65 and 74 with a net asset of less than 500,000 USD purchase a short-term care insurance policy.
You can reach us at email@example.com for more information and quotes from different insurance companies so you can compare them and choose the best for you.
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Dallas, TX 75248