The treating physicians are very important partners for the AI offices. They indeed have detailed and solid knowledge on the state of health of their patients. To define the medical situation of an insured person, their collaboration is essential. By the information they provide on the health of patients, they greatly contribute to the correct determination of benefits.
Generally, the IA requests a medical report from the attending physician. This report contains detailed information on the patient’s state of health, diagnoses and treatment options. In addition, it makes recommendations on the way forward. When it comes to the disability insurance for doctors then it is for sure that you would get the perfect support there.
Doctors can refer a case to an AI office for early detection. The patient must always be informed beforehand. The request for services can be lodged at the AI office only by the patient himself, or by his legal representative. The attending physician can recommend to his patients to file a request and support them in this process. They also play an important role in that they can motivate their patients, invest in their rehabilitation and support IA measures.
Disability Life and Health Insurance
Disability Life and Health Insurance Policy
Life and health insurance against accidents helps provide financial protection against unforeseen situations. However, a program can have its own subtleties when it comes to a person with disabilities.
Disabled people face many limitations in life. And the problem is not only in the accessibility of the urban environment, but also in the number of services provided to this category of citizens, including life insurance. However, today people with disabilities still have much more opportunities in terms of insurance than 10-15 years ago.
Disability Insurance Issues
Disability implies partial or complete disability and allows you to receive social support from the state, but it practically deprives a person of the opportunity to take full advantage of accident insurance services.
Restrictions on the part of insurance companies are associated with the following circumstances:
- high risk of insured events for policyholders with disabilities
- increased injuries in people with disabilities
- reduced overall health status in this category of citizens
Disability insurance is carried out according to specially developed programs. Such programs take into account a number of factors, including:
- age category of the insured
- disability category
- professional activity
- Health status and the presence of diseases
The conclusion of an insurance contract, as a rule, involves the observance of certain conditions:
- the risk of disability due to the underlying illness of the insured is excluded from the list of insured events
- an increased amount of insurance premiums for disabled people of groups I and II is established (the amount of contributions depends on the state of health of the insured)
- The insured must undergo a mandatory medical examination.
Cost of insurance for people with disabilities
Increased risks of an insured event affect the final cost of insurance. The increased cost of insurance is associated with the fact that insurance for people with disabilities carries more risks, and the higher the likelihood of their occurrence, the more difficult it is for the insurance organization to foresee all possible risks.