Health Insurance in Port Arthur TX

 

 

Health Insurance in Port Arthur TX

     Many people resent Health Insurance in Port Arthur TX because they claim the insurance companies give with one hand in the agreement take away with another in the exclusions portion of the contract—sort of an act of prestidigitation that really sticks it to the consumers. However, Health Insurance in Port Arthur TX is often designed to prevent coverage that is more appropriate to other types of insurance. Exclusions also eliminate exposures that the industry would refuse to insure without charging a premium that would break Fort Knox, such as protecting property against Health Insurance in Port Arthur TX.

     Here is some typical exclusionary language, using the same homeowner’s policy quoted above. Not that the exclusions portion of the policy also utilizes the sections and parts breakdown of the policy. Thus these terms are concerned with the property portion of the insurance policy and not the liability portion.

     Not being covered is bad enough, but it’s even worse when you could have made an end run around the exclusion by purchasing Health Insurance in Port Arthur TX. For example, assume that the exclusion quoted above concerning earthquakes was in effect in your homeowner’s policy when nature cut loose with an 8.2 temblor, reducing your house to so much kindling wood. Under the terms of the homeowner’s policy we have quoted, the damage caused by the earthquake would not be covered and you would have to personally absorb the consequences of the destructive event. If you didn’t know going in that earthquake damage was excluded from coverage, you would never know that you had an opportunity to get around the exclusion by purchasing extra coverage by way of an earthquake endorsement.

Consumer Alert:

It is absolutely essential that you understand what is excluded under your Health Insurance in Port Arthur TX. Otherwise, you may end up with a loss for which you mistakenly thought there was a remedy within the policy.

Conditions

For the most part, the conditions portion of the policy describes your obligations under the policy—for example, your duties after a loss. These may include giving prompt notice to the company and protecting against further loss.

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