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Greg Said:

Doctors and disclosure?

We Answered:

When you take out life/critical illness cover you have to sign giving permission for the insurer to have access to your medical records. Therefore you have given consent for the doctor to disclose details.
If the information that you had taken drugs did not come out initially when taking the policy but did at death or critical illness they could decide not to pay out. This is becuase you would be in breach of the contract as you did not disclose the drugs on the application form. When taking out the policy you must disclose all details and answer all questions truthfully or you could make the policy null and void.
I'm an independent financial adviser and have submitted a few applications where the applicant has admitted drug use on the application form. One where cannabis had been used was accepted at normal rates and without any medical checks. This will vary with the insurer and obviously the type and frequency of the drug use.
It is better to disclose the information and maybe pay a higher monthly premium for cover than the pay a cheaper premium for years for cover that is useless because you have broken the contract.
Hope this helps.

Audrey Said:

Is it advisable to invest in ICICI Pru for crisis cover?

We Answered:

This is rider in the existing policy, you can go for it.

Charlene Said:

health insurance expat in Tanzania?

We Answered:

When I lived in Tanzania, I used a division of Clements International. You can check them out at www.clements.com. Also, try talking to your employer as they may have a better idea of what the options are for ExPats. Depending on your home country, you can also talk to the various embassies for advice.

Hope that helps.

Audrey Said:

Insurance question about a Critical Illness rider.?

We Answered:

The way the rider is written, it acts as an accelerated death benefit giving you access to a portion of your death benefit. This would take away $50K from your death benefit if the rider were excercised. FYI - this is a crappy rider. Most CI riders give an additional benefit. You also need to look at what the company calls "Critical Illness". There are various definitions and coverages are widespread. A good policy will cover the big three: cancer, heart attack, stroke; but should also cover 6-8 other major illnesses as well. If it doesn't, hold out for something better.