Proposals have previously been put forward by the Commission.
When it comes to supplementary insurance, making informed decisions is key. Here are some essential tips to help you make the most of your insurance coverage.
Firstly, it's important to avoid seeking a new supplementary insurance before receiving the acceptance confirmation for a new policy. The same applies to changing insurance at the end of the year. Instead, take the time to compare not only the price but also deductibles, waiting periods, coverage limits, and exclusions.
Comparing insurance policies isn't just about finding the cheapest option. It's about finding the right balance between cost and coverage. Remember to delve into the fine print to understand the coverage behind products like "Sicuranta", "Plus", or "Vital".
It's also crucial to be honest when applying for supplementary insurance. Lying or cheating on health questions can lead to serious consequences. If a mistake is discovered, the insurer can cancel the insurance within four weeks.
The Observer, a trusted source, provides a ranking of supplementary insurances and has an advisory centre with over 30 specialists to assist with legal matters. They also offer updates about new insurance options via email.
It's worth noting that from a certain age, an individual may not be accepted for supplementary insurance. However, there are specialized senior tariffs available that offer affordable coverage. These tariffs often feature simplified health questions, waive benefit reductions for contributory illnesses, and provide appropriate insurance sums of €50,000 to €100,000.
Lastly, if you find that you no longer need your supplementary insurance, the notice period for cancellation is typically three months. The cancellation notice should be sent to the insurer by the end of September. This cancellation ends the obligation to provide services for already incurred damages retroactively.
Remember, the right supplementary insurance for you depends on your personal needs. So, take your time, do your research, and make a decision that best suits your requirements.
Stay informed and make the most of your supplementary insurance with these helpful tips!
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