
gurutharamaaya roga insurance

critical elance insurance, allengil critical elance cover allengil dred disease poolisi ennariyappedunnu, oru insurance policyude bhaagamaayi munkootty nischayicha listtile nirddishta rogangalilonnu poolisi udamaykku undengil insurance kambani saadhaaranayaayi oru ottathavana panam adaykkaan karar cheiyunna oru insurance ulppannamaanu.
poolisi kramamaya varumanam adaykkunnathinu krameekarichirikkaam, koodaathe shasthrakriyaykk vidheyamaakunna poolisi udamaykkum panam nalkaam, udaaharanathinu, hart baipas ooppareshan.
rogam aadyamaayi kandethiya kaalam muthal poolisi udama kuranjathu kurachu divasamenkilum (athijeevana kaalayalav) athijeevikkendathundu. upayogikkunna athijeevana kaalayalav oro kambaniyilum vyathyaasappedunnu, ennirunnaalum, 14 divasamaanu ettavum saadhaaranamaaya athijeevana kaalayalav. australian vipaniyil athijeevana kaalayalav 8 muthal 14 divasam vareyaanu.
gurutharamaaya oru roganirnayam eppol saadhuthayullathaayi kanakkaakkappedunnu ennu nirvachikkunna nirddishta niyamangal karar nibandhanakalil adangiyirikkunnu. roganirnayam aaa rogathilo avasthayilo vaidagdhyamulla oru doctor nadathanamennu athu prasthaavichekkaam, allengil athu nirddishta parishodhanakalkk peru nalkiyekkaam, udha.jii. roganirnayam sthireekarikkunna myocardial infaarkshante iii. keey. jii mattangal.
ennirunnaalum, chila vipanikalil, pala rogangalkkum avasthakalkkumulla avakaashavaadatthinte nirvachanam nilavaramullathaayi mariyirikkunnu, athinaal ellah insurance kambanikalum ore avakaashavaada nirvachanam upayogikkum. kleyimukalude nirvachanangalude standerdisation poolisi udamakalkku parirakshayude vyakthatha vardhippikkunnathum vividha life offeesukalil ninnulla policykalude kooduthal thaarathamyavum ulppede niravadhi aavasyangal niravettiyekkaam. udaaharanathinu, yukeyil britiish insurance kambanikalude association (abi) oru "mikacha pariseelana prasthavana" purappeduvichu, athil saadhaarana gurutharamaaya rogangalkkulla niravadhi staanderd nirvachanangal ulppedunnu.
ottathavana panamadaykkal maathrkaykku pakaram gurutharamaaya roga insurance samvidaanangal undu. eee critical ilinus insurance poolisikal aarogya daathaakkalkku poolisi udamayude insurance policyude paridiyilulla gurutharamayathum jeevanu bheeshaniyundaakkunnathumaaya rogangalude chikitsa chelavukalkku nerittu panam nalkunnu, ithil thiranjeduttha uyarnna raankulla aashupathrikalude groupile specialistukaludeyum nadapadikramangaludeyum phees ulppedunnu.
aadyathe gurutharamaaya roga uthppannam.
doow. marius barnard sthaapicha critical ilinus insurance, 1983 october 6 nuu dakshinaafrikkayil dred disease insurance enna peril aadyathe critical ilinus uthppannam puratthirakki.
eee tharatthilulla insurance yadhaarthathil naalu praadhamika manushya aarogya avasthakal ulkkollunnu
1983 muthal lokamembaadumulla niravadhi insurance vipanikalil eee pariraksha sweekarichittundu. insurance parirakshayude mattu perukalil iva ulppedunnu aaghaatha insurance, gurutharamaaya roga insurance, leaving ashwarans.
vyavasthakal ulkkollunnu.
insurance kambanikalkkidayil insurance rogangalude samayakramam vyathyaasappedunnu. 1983ll naalu vyavasthakal policic keezhil vannu, athaayath.iii. hridayaaghaatham, cancer, strock, coronary artari bye-paas sasthrakriya.
ulppeduthiyekkaavunna mattu vyavasthakalude udaaharanangalil iva ulppedunnu
rafar canada life critical elanus insurance poolisi
kaalakramena oru avasthayude saannidhyam kurayukayum kaalakramena roganirnayavum chikitsa mechappedukayum cheiyunnathinaal, oru pathittaand munbu gurutharamayathaayi kanakkaakkappettirunna chila rogangalkk pariraksha nalkendathinte saambathika aavasyakatha innu aavashyamaayi varunnilla. athupole, innu ulkkollunna chila vyavasthakal bhaviyil oru pathittaando athil kooduthalo aavashyamaayi varilla.
parirakshayude vipani aavasyam, insurance kambanikal thammilulla malsaram, athupole thanne vaagdaanam cheiyunna aanukoolyangalude poolisi udamayude moolyathe aasrayichirikkunnu. eee kaaranangalal prameham, rheumatoid aarthraitis thudangiya avasthakal bhaviyil nalkunna saadhaarana parirakshayaayi mariyekkaam.
gurutharamaaya roga samrakshanathinte aavasyakatha.
gurutharamaaya roganirnayam allengil chikithsayethudarnnu vyakthikalkk saambathika samrakshanam nalkuka enna uddeshyathodeyaanu gurutharamaaya roga pariraksha aadyam vilppanaykku vachathu. boult-oonn' aanukoolyam ennariyappedunna oru residential vaangunna samayat life insurance allengil tame ashwarans policyumaayi chernnu vyakthikal gurutharamaaya asukham vaangiyekkaam.
labhicha saambathikam inipparayunna kaaryangalkkayi upayogikkaam
poolisi udamaykku gurutharamaaya asukhamo poolisi udamayude maranamo moolam oru mortgage thirichadaykkunnathil eee inshuransinu poolisi udamaykko avarude aashritharko saambathika samrakshanam nalkaan kazhiyum. itharathilulla uthppanna roopakalppanayil, chila insurance kambanikal gurutharamaaya oru asukham baadhichappol kudissikayulla mortgage kadathinte oru bhagam thirichadaykkunnathinu uthppannam roopappeduthaan theerumaanichekkaam, athesamayam kudissikayulla muzhuvan mortgage kadavum poolisi udamayude maranashesham thirichadaykkum. pakaramaayi, gurutharamaaya asukham kandethumbol muzhuvan insurance thukayum nalkaam, pakshe maranashesham kooduthal panam nalkilla, ithu gurutharamaaya asukham adaykkunnathu 'thwarithappeduthiya marana adavu' akkunnu.
chila thozhiludamakal avarude jeevanakkarkkaayi gurutharamaaya roga inshurans eduthekkaam. eee karar oru group karaarinte roopathilaayirikkum, koodaathe lokamembaadumulla thozhiludamakal avarude jeevanakkaare saambathikamaayi samrakshikkunnathinum kambaniykkaayi jolie cheiyunnathu pariganikkaan kooduthal jeevanakkaare akarshikkunnathinum upayogikkunna oru avashya thanthramaayi ithu maari.
gurutharamaaya roga inshuransinte badal roopangal.
poolisi udamaykku poolisiyil listtucheythirikkunna gurutharamaaya asukham undennu kandethiyaal insurance udama poolisi udamaykku munkootty nischayicha oru koottam panam nalkunna policykaleyaanu saadhaarana gurutharamaaya roga insurance uthppannangal soochippikkunnathu. ennirunnaalum, cancer, hridayasambandhamaaya nadapadikramangal, avayavamatta sasthrakriya thudangiya gurutharamaaya rogangal chikilsikkunnathinulla uyarnna medical chelavukal nikathaan aarogya daathaakkalkku gurutharamaaya roga parirakshayude ithara roopangal nerittu panam nalkunnu. insurance poolisiyil paramavadhi thuka nischayikkukayum chikilsayude oro episodilum nirvachikkukayum cheiyunnu.
poolisi udamayude pokkatt chelavukalum deerghakaala reimbersment prakriyakalum ozhivakkaan eee gurutharamaaya roga insurance uthppannangal saadhaaranayaayi aashupathrikalkk nerittu panam nalkunnu. lump sump critical enals inshuransinu pakaramulla mikka kesukalilum, munkootty thiranjeduttha oru koottam aashupathrikalkkidayil evide chikitsa labhikkumenn poolisi udamakalkku theerumaanikkaam.
chila tharatthilulla gurutharamaaya roga insurance poolisi udamakalkku chikilsaykkaayi mattu raajyangalile uyarnna prathyeka aashupathrikalilekku pookaanulla oopshanum vaagdaanam cheiyunnu. eee poolisikalil saadhaaranayaayi poolisi udamaykkum oru koottaaliykkumulla yaatra, thaamasa chelavukalum vivarthakar allengil pezhsanal nazhsumaar polulla mattu konsiyarj sevanangalum ulppedunnu.
apakadasaadhyatha vilayiruthuka.
unterriting prakriyayiloode apekshakar apakadasaadhyatha vilayiruthappedunnu. oru automated unterriting computer filtering sisttathil unterriting nadannekkaam. ennirunnaalum ettavum vishadamaayathum samagravumaaya unterriting ippozhum parichayasambannaraaya life insurance unterritermaaraanu nadathunnathu.
gurutharamaaya asukhathinulla unterriting prakriya life insurance unterritinginu samaanamaan, athil praayam, lingabhedam, pukavali nila, munkaala medical charithram, kudumba charithram, madyapaanam, body maas indux thudangiya gadakangal kanakkiledukkunnu. ennirunnaalum, gurutharamaaya rogathinte kaaryatthil, kudumbacharithrathinu kooduthal oonnal nalkunnu, pukavaliyum bodymas soochikayum gurutharamaaya roga samrakshanavumaayi bandhappett apakadasaadhyatha ganyamaayi vardhippikkaan kazhiyunna apakada gadakangalaanu.
oru apekshakane poornnamaayum underrite cheythukazhinjaal, oru unterriterkku staanderd nirakkil risk sweekarikkaan theerumaanikkaam, allengil adhika charge aavasyamaanennu avar theerumaanikkaam, allengil prathyeka rogangal ozhivakkaan avar theerumaanichekkaam. amgeekaara nibandhanakalil oru unterriter enthengilum bhedagathi varuthiyittundenkil, poolisi nalkunnathilekku neengunnathinumumbu ithu apekshakan amgeekarikkanam.
loka vipanikal.
dakshinaafrikka, yuke, ireland, austreliya, nyoosiland ennividangalil critical ilinus insurance oru susthaapitha insurance roopamaayi mariyirikkunnu.
gurutharamaaya roga insurance janapreeti vardhichukondirikkanu, aduthide vidoora kizhakk, american aikyanaadukal ennivayulppede mattu pradeshangalilum ithu amgeekarikkappettu.
uthppannam puthiyathaaya vipanikalil, pala insurance kambanikalum lokamembaadumulla exposure ulla reinsurance kambanikaludeyum niravadhi varshangalayi uthppannam vitta videsha insurance kambanikaludeyum vaidagdhyam upayogikkaan thiranjedukkunnu. nalkiyirikkunna daattayudeyum uthppannathinte roopakalppana savisheshathakalumaayulla sahayathinteyum roopathil vaidagdhyam vannekkaam.
austreliya.
austreliyayil troma insurance ennum ariyappedunna critical ilinus insurance, listtucheytha medical evantukalkkulla oru koottam peymentukalaanu. yunaittad kingdatthil ninnu vyathyasthamayi, troma insurance vyavasthakal staanderdais cheythitilla, koodaathe vipani malsaram premium, poolisi nirvachanangale adisthaanamaakkiyullathaanu. oru australian troma insurance poolisi cancer, hridayaaghaatham, strock ennivayulppede 40 + nirvachanangal pattikappeduthunnathu asaadhaaranamalla. austreliyayil adaykkunna troma insurance kleyimukalil ekadesham 85 sathamaanavum cancerino hrudrogathino ullathaanu. oru muzhuvan claim paymentinu aavashyamaaya poornna nirvachanam paalichillengil poolisikal bhagika paymentukalum vaagdaanam cheiyunnathu asaadhaaranamalla.
australiyayile troma insurance poolisikal saadhaaranayaayi life insurance policykalumaayi bandhappettirikkunnu, ennirunnaalum ithu oru staand-eloon policyaayi edukkaam, oru troma insurance poolisi linkucheythittundengil, athu saadhaaranayaayi inshur cheytha life insurance thukayude balance kuraykkum.
australiyayile troma insurance poolisikal vyakthigatha samrakshanam nalkaan upayogikkumbol, avaa saadhaaranayaayi nikuthi kizhivu labikkilla, koodaathe eathenkilum claim varumaanathin nikuthi chumataanaavilla. paymentinaayi labhyamaya nirvachanangal ellaayppozhum aavashyamaaya release vyavasthakalumaayi poruthappedunnilla ennathinaal soopparaanuveshanil troma insurance vaagdaanam cheiyunnilla.
canada.
kaanadayil labhyamaya gurutharamaaya roga insurance oopshanukal
america.
nilavil 5 dasalaksham poolisikal praabalyathilundu. 2018ll ekadesham 15 laksham poolisikaloo certificattukalo vaangi.
american association phoor critical disease insurance
parambaraagatha vyakthigatha gurutharamaaya asukha inshuransinu sharashari puthiya gurutharamaaya roga insurance aanukoolyam thuka 21,993 dollar group/varksaittin (prayaparidhi) 14,766 dollarumaan. sharashari puthiya gurutharamaaya roga insurance vaangunavar, 2020 report
gurutharamaaya roga insurance vaangumbol praayam parambaraagatha vyakthigatha gurutharamaaya roga inshuransinu 46 varshavum group/varksaitt inshuransinu 42.2 umm aayirunnu (prayaparidhi) gurutharamaaya roga insurance vaarthakal 2020 epril 6 nuu

