Health insurance question

[12500ft 2]

I know there are other insurance related posts, but things are changing so fast, I want very current information.

I'm considering changing insurance from my employer to a personal policy. The most affordable option I've found, though, specifically excludes injuries related to high risk activities. I called, and they consider skydiving a high risk activity. Does anyone have any good suggestions for affordable comprehensive policies or for inexpensive accident only policies that I can pair with the other policy?

Thanks for any help.

[bwg 0]

I also sent you a PM with specific info, but you can try calling these folks:

https://www.travelinsurancecenter.com/eng/information/cm_benefits.cfm?line=gbund_gab

[DrDom 0]

12500ft

I know there are other insurance related posts, but things are changing so fast, I want very current information.

I'm considering changing insurance from my employer to a personal policy. The most affordable option I've found, though, specifically excludes injuries related to high risk activities. I called, and they consider skydiving a high risk activity. Does anyone have any good suggestions for affordable comprehensive policies or for inexpensive accident only policies that I can pair with the other policy?

Thanks for any help.

Honestly you need to call around because many places offer tiers, riders, and all kinds of madness. You should contact the USPA, they have insurance specialists who helped me find life/disability that covered high risk and I bet they know who can do some. Its a hard market right now with everyone being VERY skittish around the ACA.

You are not the contents of your wallet.

[DougH 270]

Why would you want to change from an employer group policy to your own?

I know there is tons if variability, and I am a poor frame of reference because my employer is world wide and has 25k employees in the US.

That being said I have found because they are a group policy they have very minimal restrictions on both the health and life insurance side.

No restriction for high risk activities.

The only restriction on the life insurance side is that if you check non smoker and you die of a smoking related risk they won't pay the claim.

Otherwise base jump and skydive to your hearts content!

"The restraining order says you're only allowed to touch me in freefall"
=P

[12500ft 2]

Even though my current coverage is a group policy, it is VERY expensive and the coverage is not very good.

[DrDom 0]

DougH

Why would you want to change from an employer group policy to your own?

I know there is tons if variability, and I am a poor frame of reference because my employer is world wide and has 25k employees in the US.

That being said I have found because they are a group policy they have very minimal restrictions on both the health and life insurance side.

No restriction for high risk activities.

The only restriction on the life insurance side is that if you check non smoker and you die of a smoking related risk they won't pay the claim.

Otherwise base jump and skydive to your hearts content!

My life insurance covers skydiving and aviation but excludes BASE jumping, SCUBA (unless I get a separate rider), and also excludes a lot of countries outside the first world.

You can always buy a second insurance policy to cover sports but you'll be paying extra. AS a self insured person... this may be tough; if you can get into an HSA its "catastrophe" insurance (which is one of my policies, my wife has a more traditional one) so that if I have more than $6000 in health expenses I'm only on the hook for the first $6000 and I can put money into a HSA pre-tax (lowers my tax burden) and I just make sure to keep my account full. On a personal account (non-family) the deductible I believe is down to $3000. But it covers NOTHING else, so you see your doc, you pay them from your HSA up to the deductible. They are usually pretty cheap plans so you could supplement your existing with one.

You are not the contents of your wallet.