Private Ambulance Services: Are you covered?

[Tankman]

in your part of the non-civilization hopefully before it is stolen!

[Christopher Brunsdon]

Great .. I'll definitely look into this..

 

Tx

 

From experience and not knocking Discovery, speak to a broker and make sure they explain everything to you correctly. My previous Discovery income protection was useless as the broker did not sell me the correct product. I switched brokers and am now correctly covered with another company.

[Tankman]

From experience and not knocking Discovery, speak to a broker and make sure they explain everything to you correctly. My previous Discovery income protection was useless as the broker did not sell me the correct product. I switched brokers and am now correctly covered with another company.

 

I am a broker, so you can speak to me. I am an independent broker so I can compare all the benefits of all the companies against each other until we find something that works best for you.

 

If I personally had to take out Income protection right now, it would be Discovery 1st choice or Liberty 2nd choice.

 

Not familiar with the details of your situation but surely your previous broker explained the benefits and you agreed to it, why do you say it was useless?

[Christopher Brunsdon]

I am a broker, so you can speak to me. I am an independent broker so I can compare all the benefits of all the companies against each other until we find something that works best for you.

 

If I personally had to take out Income protection right now, it would be Discovery 1st choice or Liberty 2nd choice.

 

Not familiar with the details of your situation but surely your previous broker explained the benefits and you agreed to it, why do you say it was useless?

 

The problem is my previous broker did not correctly explain to me the different levels of protection and what the real world benefits where. I was just tossing money at something that was not what I wanted but I'm sure it was what he wanted to sell me to boost his comission.

 

The same happened with my wifes cover. After we saw another broker, we now have the cover we require and always wanted.

 

But Tankman it was more a case of the broker being uselss vs the products he represented. The broker no longer practices.

[Tankman]

The problem is my previous broker did not correctly explain to me the different levels of protection and what the real world benefits where. I was just tossing money at something that was not what I wanted but I'm sure it was what he wanted to sell me to boost his comission.

 

The same happened with my wifes cover. After we saw another broker, we now have the cover we require and always wanted.

 

But Tankman it was more a case of the broker being uselss vs the products he represented. The broker no longer practices.

 

Ok, I thought you tried to claim and they didnt want to pay out, now that would have been useless!

 

Pretty much like short term insurance, mine has been useless last month and the month before and the 10 months before that ... but it came in very handy the month before that when claimed and had stolen goods replaced!

 

 

Depending on what view you take, these things are pretty useless until you need them.

You Might not become disabled, you Might not contract a deadly disease, you Might live until you are 100 but the fact we all know for sure, you will die and you will pay taxes.

 

Are you willing face that fact without taking into consideration what financial implications it might have on yourself or worse your family?

 

(not you specifically cbrunson, just in general, I know you have take care of these matters)

Edited January 26, 2011 by Tankman

[GrumpyOldGuy]

I think the benefit of Helivac, SOS etc is that its an independant and immediate service, you call them direct and dont need medical aid authorisation.

 

You get a card and the paramedics or even a private person can call them on your behalf if necessary, so theres a big saving in time, which is critical in these emergencies.

 

Getting you helivac'd and hoping the medical aid pays is dodgy, so I am inclining towards a seperate helivac insurance for my family and I.

 

I heard a medical helicopter evacuation can cost anything up to R1900.00 per minute - So Yeah, not cheap.