Supplemental health coverage will pay for certain costs that aren’t covered by your main form of health insurance. These are additional policies (dental, vision, higher class at the hospital) and are not designed to completely replace your primary healthcare coverage.

The waiting period for a health insurance is 2 months. Please note that a doctor’s report must be submitted with the application.

The cost of health insurance depends on several factors. Costs vary based on your plan type, whether you have insurance through an employer or private insurer, your age and how much of the insurance you cover.

Health insurance helps you to manage the costs of your family’s care, including regular doctor’s visits and unexpected illness and injury. Just one serious illness, or an emergency procedure can have dire consequent for your financial portfolio if you aren’t insured properly.

Home insurance also called property insurance, provides coverage for your private home or commercial building and compensates you in the event of a loss. If your home is burglarized or is partially or destroyed by a cause that is covered by your policy, home insurance will help you replace your belongings, repair your home, or even rebuild.

The value of your home and the amount of coverage you purchase will largely dictate the amount you pay for your premiums. But there are other factors that can affect your premium as well, the security in your home and how many claims you have filed in the past.

Home insurance is important for a variety of reasons:
• If you’re insured, any significant repairs or rebuilding after a disaster can potentially be covered by your insurance policy, up to your set limits.

• If you owe money on your mortgage and your home is completely destroyed, you will still be required to pay your home loan, unless you have adequate home insurance. Home insurance can help pay for the rebuilding cost. If you insure your house at rebuilding value, you will have the means to fully rebuild, if needed.

Home insurance is not required, but your mortgage lender will typically require coverage in order to provide a home loan. Even if you own your home outright and you are not required to buy home insurance, it’s still a good idea to protect your investment with an insurance policy. That way you can get the financial compensation you need to repair of rebuild after a loss.

If your vehicle is damaged or involved in an accident, you are required to call ForenSys (199). ForenSys provides a service that streamlines the enitre claims process involved in the underwriting and claims operations of the insurance industry, from the moment the accident accurs to the resolution of the insurance claim. Once a report has been made to ForenSys, you can then call our office.
With regards to travel, health and property insurance claims, you can file a claim online via our website or call us.

It depends on how complex the claim is, how serious the damages or injuries are, and how willing other involved parties are to cooperate. Citizens claims representatives always work toward prompt resolution of every claim. If a claim requires follow-up work, we’ll be there with you every step of the way – no matter how long it takes.

The first step is to start by reviewing your policy. You may also want to ask to our Claims Department representative assigned to your claim to help you understand what coverage you’ve purchased and how it applies to your claim.

It depends in part on the terms of your policy, how many claims you’ve filed in the past and insurance regulations in your state. Citizens can discuss the answers to these questions with you.