About Seema Gakhar by Seema Gakhar https://padlet.com/SeemaGakhar/About Born and raised in India, Seema Gakhar earned her bachelor of science at the University of Delhi in the Indian capital of New Delhi. She went on to earn both a bachelor of education in English and natural science and a master’s degree before migrating to Canada. She later completed a Life License Qualification Program (LLQP) through the Toronto branch of Advocis, the official financial advisors association of Canada, and earned her insurance license. Seema Gakhar currently draws upon her LLQP training as an independent insurance broker in Ontario, Canada. As a small business owner, Seema Gakhar fully understands the risks of business ownership and is therefore uniquely suited to advise commercial and corporate business owners on their insurance needs. As a mother of two, she is also able to prudently and compassionately advise her clients with families. Specific plans offered by Ms. Gakhar range from life, critical illness, and disability insurance to health and dental plans. en-us 2017-05-10 05:24:50 UTC 2017-08-03 13:06:45 UTC hello@padlet.com SeemaGakhar https://padlet.com/SeemaGakhar/About/wish/179084488 2017-07-20 01:37:42 UTC https://padlet.com/SeemaGakhar/About/wish/179084488 SeemaGakhar https://padlet.com/SeemaGakhar/About/wish/179084505 2017-07-20 01:37:54 UTC https://padlet.com/SeemaGakhar/About/wish/179084505 SeemaGakhar https://padlet.com/SeemaGakhar/About/wish/179084519 2017-07-20 01:38:04 UTC https://padlet.com/SeemaGakhar/About/wish/179084519 SeemaGakhar https://padlet.com/SeemaGakhar/About/wish/179084535 2017-07-20 01:38:16 UTC https://padlet.com/SeemaGakhar/About/wish/179084535 SeemaGakhar https://padlet.com/SeemaGakhar/About/wish/179084551 2017-07-20 01:38:27 UTC https://padlet.com/SeemaGakhar/About/wish/179084551 How Critical Illness Insurance Works SeemaGakhar https://padlet.com/SeemaGakhar/About/wish/180037889 Based in Toronto, Ontario, Seema Gakhar serves as an insurance agent to individuals, families, and organizations. Seema Gakhar draws on an in-depth knowledge of critical illness insurance and other coverage options designed to protect policyholders' financial well-being.

Critical illnesses can be financially ruinous, even for patients with good health insurance. Recent statistics show that employees may pay up to 37 percent of health care costs, and this percentage may be even higher for patients with certain plans.

Such out-of-pocket amounts can quickly add up when a serious illness requires extensive treatment. Industry analysts have found that the average patient contribution to such treatment plans exceeds $7,500, while some illnesses can cost a patient upwards of $14,000. For those families whose medical debt sends them into bankruptcy, debt can reach tens of thousands of dollars.

Critical illness insurance serves to cover some of these costs, as well as medications and other expenses not covered by standard health policies. A critical illness insurance policy pays out a lump sum, which ranges from $10,000 to $1 million depending on coverage and type of illness. Policies specify which types of illnesses are fully or partially covered.

With most policies, payouts become available when the policyholder receives a particular diagnosis. The recipient may use these funds for medical costs and to cover other financial burdens such as child care and housing costs that they may accrue over the course of the illness.]]> 2017-08-03 13:06:00 UTC https://padlet.com/SeemaGakhar/About/wish/180037889