Gevreesdesiekte
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Die betaalbare voordeel sal gegrond word op die spesifieke stadium of graad van erns van die toestand. 

Voorbeelde is slegs as 'n riglyn verskaf en maak NIE deel uit van enige polis nie. Die Polishouer se aanspraak op voordele sal bepaal word deur die bepalings en voorwaardes van die polis. 

Die voorbeelde hieronder veronderstel dat geen Aanvullende en Uitgebreide Opsies gekies is nie en dat die voordeel nie gekoppel is aan enige ander voordeel of lewensdekking nie. 

Voorbeeld 1 - Verwante eise binne dieselfde voordeelkategorie

Versekerde Bedrag R 1 000 000

Stadium 1 Lewerkanker eis:

  • Aanvanklike Versekerde Bedrag: R 1 000 000
  • Stadium 1 lewerkanker is 10 maande na aanvang van polis goedgekeur.
Bedrag betaalbaar:

  1. 25% van R 1 000 000 = R 250 000.
By die eerste Polisjaardag styg die Versekerde Bedrag teen 7% tot R 1 070 000. (Dit veronderstel dat 'n gekose outomatiese voordeelstyging van 7% p.j. gekies is).

Stadium 2 Lewerkanker eis:

  • word 18 maande na aanvang van polis goedgekeur.
  • Stadium 2 lewerkanker verskaf 'n voordeel van 50% van die Versekerde Bedrag.
  • 25% is egter alreeds uitbetaal ten opsigte van die vorige erkende verwante eis.
  • Gevolglik sal 25% (d.i. 50% minus 25%) van die huidige Versekerde Bedrag nou betaal word.
Bedrag betaalbaar: 

  1. 25% van R 1 070 000 = R 267 500.
Stadium 4 lewerkanker eis:

  • word 20 maande na die aanvang van die polis goedgekeur. 
  • Stadium 4 lewerkanker verskaf 'n voordeel van 100% van die Versekerde Bedrag. 
  • 50% is egter alreeds betaal van toepassing op die vorige erkende verwante eise. 
  • Dus is 50% (d.i. 100% minus 50%) van die huidige Versekerde Bedrag nou betaalbaar.

Bedrag betaalbaar: 

  1. 50% van R 1 070 000 = R 535 000.
  2. Geen verdere eise verwant aan die lewerkanker sal goedgekeur word nie aangesien 'n 100% eis reeds goedgekeur is.

Voorbeeld 2 - Onverwante eise in dieselfde voordeelkategorie

Versekerde Bedrag R 1 500 000

Werk besering -Verloor 'n hand eis:

  • Aanvanklike Versekerde Bedrag: R 1500 000
  • 3 maande na die aanvang van die polis, word die Versekerde Lewe by die werk beseer en hy verloor 'n hand. 
  • 'n 50% eis wordgoedgekeur onder die Verlies van Ledemate
  • en Verlies van die Gebruik van Ledemate-voordeelkategorie
Hoekom is gevreesde siektedekking belangrik? Ernstige siektes  tref 'n mens gewoonlik sander enige waarskuwing - of dit nou 'n hartaanval is, kanker, 'n orgaanoorplanting, of die verlies van sig of gehoor, Jy sal miskien nie noodwendig medies ongeskik wees om aan te hou werk nie, en daarom sal jy miskien nie ongeskiktheidsdekking kan eis nie,  procon,procon insurance,procon versekering,makelaars, versekeringsmakelaars,pretoria, disability income insurance quote, disability income insurance companies, group disability income insurance,   individual disability insurance, supplemental income insurance,  loss of income insurance,  disability insurance coverage,  chronic leukemia,  short term disability insurance,  qualified retirement account,  disability insurance own occupation,  what is disability insurance,  life and disability insurance,  disability insurance definition,  personal disability insurance,  self employed disability insurance,  disability insurance rates,  standard disability insurance,  disability insurance lawyer,  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Bedrag Betaalbaar:

  1. 'n Uitbetaling van R 750 000 word gemaak.
Motorongeluk - Verloor 'n arm eis:

  • 7 maande later is die Versekerde Lewe in 'n motorongeluk betrokke en hy verloor 'n arm.
  • Dit kwalifiseer vir 'n 75% uitbetaling onder die Verlies van Ledemate
  • en Verlies van die Gebruik van Ledemate-voordeelkategorie. 
  • Al word hierdie eise onder dieselfde voordeelkategorie erken, is hulle onverwant.
  • Dus sal die volle 75% betaal word vir die Versekerde Lewe se arm.
Bedrag Betaalbaar:

  1. 75% van R 1 500 000,
  2. d.i. R 1 125 000.
Hoekom is gevreesde siektedekking belangrik? Ernstige siektes  tref 'n mens gewoonlik sander enige waarskuwing - of dit nou 'n hartaanval is, kanker, 'n orgaanoorplanting, of die verlies van sig of gehoor, Jy sal miskien nie noodwendig medies ongeskik wees om aan te hou werk nie, en daarom sal jy miskien nie ongeskiktheidsdekking kan eis nie,  procon,procon insurance,procon versekering,makelaars, versekeringsmakelaars,pretoria, disability income insurance quote, disability income insurance companies, group disability income insurance,   individual disability insurance, supplemental income insurance,  loss of income insurance,  disability insurance coverage,  chronic leukemia,  short term disability insurance,  qualified retirement account,  disability insurance own occupation,  what is disability insurance,  life and disability insurance,  disability insurance definition,  personal disability insurance,  self employed disability insurance,  disability insurance rates,  standard disability insurance,  disability insurance lawyer,  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Voorbeeld 3 - Verwante eise in verskillende voordeelkategorieë

Versekerde Bedrag: R 2 000 000

Stadium 4 longkanker eis:

  • 'n Eis word erken vir stadium 4 longkanker. 
  • Onder die Kanker- en Leukemie-voordeelkategorie, kwalifiseer die eis vir 'n 100% uitbetaling.

Bedrag Betaalbaar:

  1. 100% van  R 2 000 000.
  2. Dus word R 2 000 000 aan die Versekerde Lewe betaal. 
Versekerde Lewe vereis 'n longoorplanting:

  • Die Versekerde Lewe vereis dan 'n longoorplanting wat verwant is aan longkanker. 
  • Dit kwalifiseer vir 'n 100% uitbetaling onderdie Asemhalingsaandoenings-voordeelkategorie. 
  • Dit is egter verwant aan die longkanker waarvoor 'n vorige eis van 100% van die Versekerde Bedrag erken is. 
  • Dus sal 'n eis vir die longoorplanting nie erken word nie.

Voorbeeld 4 - Onverwante eise in verskillende voordeelkategorieë

Versekerde Bedrag: R 1 000 000

(A)Subaragnoïede bloeding eis: (B) Chirugie - Vernouing van 'n Perifere aterie eis:

  • 'n Eis word erken vir subaragnoïede bloeding 6 maande na die aanvang van die polis.
  • 2 maande daarna word 'n eis erken vir chirurgie om die vernouing van 'n perifere aterie te korrigeer deur middel van omleidingschirurgie.
  • Dit word besvestig dat die twee toestande heeltemal onverwant is. 
  • Beide eise sal erken word.
Bedrag betaalbaar: vir subaragnoïede bloeding - 

  1. 25% van R 1 000 000 = R 250 000.
Bedrag betaalbaar : vir omleidingschirurgie om perifere arterie te korrigeer -

  1. 50% van R 1 000 000 = R 500 000.

Hoekom is gevreesde siektedekking belangrik? 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Voorbeeld 5 - Veelvuldige eise vir enkelvoorval

Versekerde Bedrag R 1 000 000.

Motorongeluk - (A) Verloor 'n hand eis: (B) Komatose eis:

Aanvanklike Versekerde Bedrag: R 1 000 000

  • Die Versekerde Lewe is in 'n motorongeluk betrokke 8 maande na die aanvang van die polis. 
  • Hy verloor 'n hand
  • en is vir langer as 96 ure in 'n koma.

  • Onder die Verlies van Ledemate-voordeelkategorie, kwalifiseer die verlies van 1 hand vir 'n 50% uitbetaling.
Bedrag Betaalbaar:

  • 50% van R 1 000 000. = R 500 000 - Sou dit al eis gewees het - maar
Onder die Koma-voordeelkategorie,

  • Kwalifiseer 'n komatose toestand wat langer as 96 ure duur (onderhewig aan die koma-maatstawwe wat in die voordeelkategorie uiteengesit is) vir 'n 100% uitbetaling = R 1 000 000.
  • Dus sal 'n eis erken word onder die Koma-voordeelkategorie
  • en die volle R 1 000 000 sal uitbetaal word.
  • Geen eis sal vir die verlies van die Versekerde Lewe se hand erken word nie.
Bedrag Betaalbaar:

  1. 100% van R 1  000 000 = R 1 000 000.
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Enige produk inligting [wetlik en / of tegnies] op hierdie webblad is van tyd tot tyd aan verandering onderhewig. Hierdie webblad is ’n opsomming van sommige finansiële produkte / verskeie produkte se kenmerke en moet nie as advies deur Procon Versekeringsmakelaars beskou word nie.  Enige aanbevelings wat gemaak word, moet jou spesifieke behoeftes en persoonlike omstandighede in ag neem. Procon. Versekeringsmakelaars. Pretoria.

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