Insurance + Investment Policy

by liaoyu03 » Sat Sep 08, 2007 06:33 pm

Hi,
I have a Life Insurance + Investment Policy .As for the figure I pay, I don't feel like mentioning in an Online Forum but it is close to $400 Annually .Apart from that I took a Medical Insurance
recently.But this one has too many Exclusion and Rider Terms.I wonder why don't they keep the Terms and Conditions simpler.
And I have heard tales of people being denied full payments during times of Hospitalization because they did not adhere to one of their multiple terms .

So, I think I will also have to go thorugh each and every term in future before buying a suitable policy.
How is it in NewZealand?

Are Life and Health Insurance Products "Terms and Conditions " any simpler?
Regards,
Ptrikha1

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