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Old 12-02-2016, 05:33 AM   #1
andacond
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Default Health issue during grace period in insurance

If I have a health issue during the 30 day grace period on my health insurance, the insurer legally has to pay for the health issue, if I pay the payment even though it is late, is that correct?

If my payment is 22 days late but still in the grace period, there is no gap in the insurance coverage is that right?
Or not?

Thank you!
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Old 12-02-2016, 10:50 AM   #2
AFFA
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Default Re: Health issue during grace period in insurance

I wish to inform you that you may claim medical compensation as you were within grace period allowed to pay premium. Premium paid within grace period will cover your claim. You may thus demand amount from insurance company.

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Old 12-02-2016, 11:01 AM   #3
adjusterjack
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Default Re: Health issue during grace period in insurance

If you pay within the grace period there is no lapse of coverage.

Just make sure you pay it early enough so that the insurance company receives and processes the payment before the grace period runs out.

For example, if 22 days is today you've got two weekends before the deadline and the start of the very slow holiday mail season.

I suggest you either pay it online if possible and print out confirmation to keep in your records or send it priority mail with tracking and a delivery confirmation so it gets there in the next couple of days.

Screw around with this much longer and you may end up with a colossal problem.
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Old 12-02-2016, 07:15 PM   #4
Wenton2
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Default Re: Health issue during grace period in insurance

Don't push the grace period, that is there for emergencies or errors, but you do not want to take your chances trying to make payment at the last minute of a grace period as the commentator above also noted.
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Old 10-11-2019, 06:34 AM   #5
thomasben2296
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Default Re: Health issue during grace period in insurance

Make sure your insurance does not get lapsed so pay out your premium before grace period and use the health benefits.
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Old 10-11-2019, 03:18 PM   #6
adjusterjack
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Default Re: Health issue during grace period in insurance

Quote:
Originally Posted by thomasben2296 View Post
Make sure your insurance does not get lapsed so pay out your premium before grace period and use the health benefits.
The question was answered properly almost 3 years ago.
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