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People have often underestimated the importance of serious illness cover and it is mostly due to the nonchalant idea that you never get sick and that you are healthy and living a good life, but you have to realise that there are diseases and ailments out there that are in no way linked to your health and your lifestyle and they can happen to you at any stage. Certain environmental factors can set it off, or it could even be genetic, the point is that these are the factors that you will not be able to account for, and you will need to be ready for it if there is something. The important thing you need to be aware of is that even though you can’t do anything about the illness you still have to worry about the financial implications that are going affect you one way or another. If you are already looking for a policy to cover you for serious illness or perhaps even death, then you should be looking at sites like pricelineprotects.com.au to get information and quotes on what you are looking for. The process is often long and requires a lot of information to be given out. You may even be asked to go for medical exams and check-ups to establish your current state of health. Only once they are happy with everything, will they offer you a policy based on a specified benefit amount for your particular risk profile. They use all the information they got from you during the question stage, along with the health examination, to create a risk profile that is usually based on statistics. If you are over the age of fifty and a regular smoker of more than 20 years, you would be a far greater health risk to an insurer when you compare the health risks of a person in their thirties and exercises regularly. When you keep everything else equal in that scenario and you compare the how those two size up health wise it is fair to say that the 30 year old would be at a lower risk of dying or falling seriously ill. However, it is still possible that the person over 50 can outlive the 30 year old, it all depends on the situation. In general though, the statistics speak for themselves and it usually works as a good guideline for the insurers. Regardless of what your risk profile is, it is still important to have the cover for serious illness because you never know what could happen.
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