| Disability health insurance cover is | | | | They may deliberately try to promote an |
| necessary for all. Even for the normal | | | | insurance company that offers more percentage |
| people! | | | | of brokerage to them. Think from both the |
| | | | angles- why you should listen to the broker's |
| Well, human life is like the cycle of | | | | advice and why you should not. |
| seasons. There are good times, bad times and | | | | |
| worst times. In the event of a disability | | | | Disability is a condition that bars one from |
| everything may go haywire. Talking about your | | | | performing the normal physical and mental |
| working career, you have limited income and | | | | functions. However there are certain |
| many fixed responsibilities. | | | | permanent types of disabilities like |
| | | | blindness also. But the disabled persons |
| To meet such an eventuality, disability | | | | enjoy certain fundamental rights. They are |
| health insurance is thus needed. The policy | | | | accommodated and given chance to work in |
| is all about getting certain about the | | | | places where it is safe and comfortable for |
| uncertainty, from the financial point of | | | | them to work. They have a right to |
| view. | | | | participate in all government activities. |
| | | | |
| If the organization you are working with is | | | | You cover under the disability health scheme |
| offering you the schemes as part of the terms | | | | will not debar you from taking health |
| and conditions of your service to provide you | | | | insurance policies for various purposes. Many |
| with the disability health cover, it is well | | | | organizations provide compulsory insurance |
| and good. You can as well make your private | | | | cover, what is called group insurance cover |
| arrangements to be a member of such a scheme | | | | to their members. There is substantial |
| by taking a policy and making regular premium | | | | discount in premiums in such cases. |
| payments. In the later case, the premiums are | | | | |
| free from income tax. | | | | In many health insurance policies, clauses |
| | | | for accidental insurance, disability income |
| However, when you make the decision to buy | | | | insurance, medical expenses insurance and |
| the disability health policy, do read several | | | | accidental death and dismemberment insurance |
| online quotations from some reputed brokers | | | | are also provided. |
| and study the terms and conditions carefully. | | | | |
| For, there are many companies and many | | | | God forbid, in the hours of extreme distress |
| policies. The advantages detailed therein are | | | | of disability, the value and support of |
| also many. Your broker can also be your | | | | disability health insurance is the only |
| adviser in this matter. | | | | savior. It would be- having taken a right |
| | | | step at the right time! |
| But remember, brokers are also businessmen. | | | | |