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Insurance Renewal and changing plan details Hello, I'm planning on buying one of Patriot America/Protection America for my parents. I have a question on insurance renewal. Lets say I buy an insurance plan for a max coverage of 50K and a deductible of 250 for 3 months. At the end of 3 months when it is time to renew my insurance can I change the max coverage to 100K and deductible to say 1000 or something. Thanks
When you renew the insurance, you can't make any material changes in the policy. Only things you are change is your contact details like address, phone numbers etc. In order to change the policy maximum or deductible, you will have to purchase a completely new policy. All the terms and conditions will start all over again. And if person used the insurance in a previous duration, those conditions may be considered pre-existing conditions in the new duration.
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.
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