What are the benefits of prosthetics insurance?
For many people who were born with disabilities or who have become disabled later in life, a prosthesis is the ticket to freedom they had been waiting for. Whether it just makes life a little bit easier, or if it goes a long way to restoring a person’s old mobility, thousands of people rely on prosthetic limbs and orthotics every day. As a result, it is a great idea to make sure your prosthesis or orthotics are protected in case something should happen to them. Not only is this positive for your peace of mind, but it can also be a good idea from a financial perspective as well. Let’s take a look at why this is.
What is prosthetics insurance?
Prosthetics insurance is specifically designed for people who own and use a prosthesis. This means it does not just cover the financial loss you suffer if your prosthesis is lost or damaged, it also comes with a range of great options to help you out.
Why should I get prosthetics insurance?
Prothesis can become an important part of your life and be vital in living life to the full. This means that not only is it important that you always have access to an alternative should something happen to your existing prosthetic, but you also need to be able to access the same make and model of prosthetic should you need a replacement.
If you do find yourself needing a new prosthetic, the last thing you want is to be held back by availability or money problems that could leave you extremely limited or in extreme discomfort. As a result, it’s important to have a solution in place that allows you to receive the money that you need to get the device you require, new for old, with no quibbles about the type of device or manufacturer.
Another issue at play is the specific modifications that you require in order to get the best use out of your prosthetic. While generically available prosthetics are serviceable, many users adapt theirs with attachments that can be used in a variety of settings, such as swimming pools or while cycling. It is important to be able to ensure that you will be able to access these types of modifications easily through your insurer, rather than being forced to rely on options supplied by the NHS, which may not give you the full range of abilities that you’d like.
What about my existing insurance?
While it’s true that prosthetics are covered by existing health insurance, just like any other object, the lack of specialist cover means that you could be underinsured, or you may not get the full coverage that you need if something does go wrong.
Relying on other types of insurance to cover your prosthetics puts you on very shaky ground because it depends on the type of accident or loss that affects you. While you can alter your policies to add the coverage you will need, many prosthetics can be costly to replace, and may actually be worth as much as the rest of your contents put together, therefore effecting your premiums.
By choosing prosthetics insurance from a separate, specialist insurer you can get piece of mind knowing that everything you need is covered. You will also keep the whole issue away from your other insurances, so your premiums will not be affected. This provides reassurance should the worst happen and your prosthetic is lost or damaged, you’ll have someone at your side to help you get back to normal again.
Fish Insurance provide the only insurance policy designed specifically to protect prosthetic and orthotic devices. Click here for more information and to get a quote today.