Catestrophic Health Insurance
If you can't afford that much, consider buying a policy with a lower daily benefit and maximum total benefit, and getting only the riders you really need.
Standard provisions
Before 1993, long-term-care insurance had no government standards. Policies were hard to understand and often had riders that seemed skewed in favor of the insurance companies. For example, some companies canceled policies after a claim or didn't cover certain diseases such as Alzheimer's. Today, most states follow coverage standards developed by the National Association of catestrophic health insurance Commissioners.
The following provisions are standard:
* A 30-day free look. You can cancel your policy at any time during the first 30 days and get all of your money back.
* Guaranteed renewability. A company cannot cancel your policy as long as you make your payments.
* An unintentional-lapse provision. An insured person whose faculties
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