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Can anyone advise me if there is any insurance policy for baby with Atrial Septal Defect? Thanks?

We need some form of coverage for major illnesses, accidents. I understand there may be exclusions on heart-related illnesses, this is of course acceptable. We also need education-saving plan..... My current agent is not helpful on this. I need since sharing & advice. Can someone help??? Thanks alot in advance.

Typically, insurance rates and types of coverages are filed by the various insurance companies that are licensed to do business in your State, and they vary from State to State.

The best thing to do is call a LOCAL independent agent. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems. You may look for designations like RHU (Registered Health Underwriter) and you'll know you have a professional in his field.

An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can.

Not knowing where you live, there may be a company "of last resort" - it's similar to an assigned risk pool for auto or workers compensation. It is made up of all/most of the insurance companies that offer health insurance in your State and they HAVE to accept your application - and normally there is a set rate, normally based on your zip code.

Good luck and I hope this helps!

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