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Is the life policy valid and in force if the proposer dies during the period between the proposal date and the date the policy is issued?
Wiki User
∙ 9y ago
Proposal date and policy should be issued on same day for private limited and public concerns as the reports are available readily from employers and attendance registers (punch time card readers).
It depends on the work lag at health provider. If insurance company is competent and works for the welfare of the people, policy is processed and issued date is same as on proposal date with mandatory health report accepting policy and issuance extending coverage immediately. Usually highly rated diagnostic centers provide reports for previous disease conditions and locking period for the years to include coverage for the previous disease to health care providers.
Usually international students in USA are provided such wonderful coverage. Elsewhere the hospitals and the providers team up and decline coverage.
The personnel in health care have to be cognizant and experienced. Experienced should guide patients (policy holders) for best health care provider and legitimate hospitals for the treatments based on ranking of hospitals and the elite General Physicians. Once the policy date is issued from system, irrespective of the policy document the health care provider must issue authorization to the referred hospitals.
Most of the greedy Development officers/members working for monetary gains decline coverage and give trouble and harass the policy holders without providing coverage and locking the premium amounts paid for the policy coverage with health care providers declining the policy holder his right for coverage.
40+ aged personnel are scrutinized for the previous disease and questionnaire provided. It is ultimately for a better society and health for all. For some reason the support personnel to staff donot provide coverage resulting in harassment to policy holder and anxious moments are passed to policy holder's dependents in emergencies.
Proposal date and policy should be issued on same day for private limited and public concerns as the reports are available readily.
Nevertheless bribery kickbacks play role and personnel from influence get into these para-medical sectors involving to trades and organs and these anti-social elements have to be fixed for the effective health care plans
Wiki User
∙ 9y ago
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