Elisha 1 #1 December 21, 2005 Ask and you shall receive.... Notes: 1) Dental/Vision not included in this poll, as there would be too many combinations 2) Every poll needs a 42 option Quote Share this post Link to post Share on other sites
FrEaK_aCcIdEnT 0 #2 December 21, 2005 whats a 42 option? forgive the brain lock, i work nights and have yet to go to bed.... ExPeCt ThE uNeXpEcTeD! DoNt MiNd ThE tYpOs, Im LaZy On CoRrEcTiOnS! Quote Share this post Link to post Share on other sites
squirrel 0 #3 December 21, 2005 dont most insurance policies become voided if the accident involves an activity listed by the insurance policy, like skydiving. i always see that question on the application "do you skydive?" or does this only affect the policy rate? i've been told that if you can, tell the doctors that your accident did not happen at the DZ...if you can get up and move off the DZ anyway. i'll check back later, gotta go to work. ________________________________ Where is Darwin when you need him? Quote Share this post Link to post Share on other sites
MrBrant 0 #4 December 21, 2005 Where's your option for "I give half of what I earn to the government, so I bloody well be covered!"? Quote Share this post Link to post Share on other sites
colinl 0 #5 December 21, 2005 Quotewhats a 42 option? forgive the brain lock, i work nights and have yet to go to bed.... It's the answer to life, the Universe and Everything, according to Deep Thought, a super-computer found in the Hitchhiker's Guide to Galaxy by Douglas N. Adams. http://en.wikipedia.org/wiki/The_Answer_to_Life,_the_Universe,_and_Everything The book is great and really enjoying, especially if you like British humour Quote Share this post Link to post Share on other sites FrEaK_aCcIdEnT 0 #6 December 21, 2005 the olny british humor i can think of would be Mr. Bean and Red Dwarf. i used to watch both of those shows on tv at 11:30 at night after work back during my senior year. ExPeCt ThE uNeXpEcTeD! DoNt MiNd ThE tYpOs, Im LaZy On CoRrEcTiOnS! Quote Share this post Link to post Share on other sites kelpdiver 2 #7 December 21, 2005 Quotedont most insurance policies become voided if the accident involves an activity listed by the insurance policy, like skydiving. I don't think that is true of "most." State laws may vary as to whether or not they permit such exclusions. The American Motorcycling Association lobbied for and got congressional legislation passed that banned company health plans from not covering legal recreational activity because a few companies would not cover biking accidents. That said, I believe the bureaucracy failed the intent of the law when the rule making process came, so I don't know if that protection really made it. Quote Share this post Link to post Share on other sites NWFlyer 2 #8 December 21, 2005 I have it now because I have a job that provides benefits, and I have had it with every full-time job I've had since college. However, from May through November of this year, I didn't work, and guess what? I took the equivalent of three jump tickets a month and bought health insurance for myself anyway. In fact, I don't think there's a day of my life that I've been without health insurance. Edited to add that my current monthly contribution to my employer-sponsored plan is also about the equivalent of 3 jump tickets. I just get better benefits. But I'm still paying for it (so for those who think job = free benefits, that is not usually the case any more . Employers are asking employees to foot more and more of the bill these days."There is only one basic human right, the right to do as you damn well please. And with it comes the only basic human duty, the duty to take the consequences." -P.J. O'Rourke Quote Share this post Link to post Share on other sites squirrel 0 #9 December 21, 2005 the exclusion appeared on my plan, and my wife. we live in california. nice weather, bad politics. ________________________________ Where is Darwin when you need him? Quote Share this post Link to post Share on other sites apixel 0 #10 December 21, 2005 Personally, I think it's crazy to skydive without insurance. Specially in the US. As far as I know, exclusions are not allowed in MA, NJ and NY. These are the three states where I have lived and even called them to ask. The response, "You can get hurt tripping out the door, driving your car off a bridge or skydiving. We are required to cover you." It's scary to know that is not the case everywhere. I was aware that Life Insurance was harder to get as a skydiver, but not health insurance. I'd better pick my next state wisely. Quote Share this post Link to post Share on other sites selbbub78 0 #11 December 21, 2005 QuotePersonally, I think it's crazy to skydive without insurance. Specially in the US. As far as I know, exclusions are not allowed in MA, NJ and NY. These are the three states where I have lived and even called them to ask. The response, "You can get hurt tripping out the door, driving your car off a bridge or skydiving. We are required to cover you." It's scary to know that is not the case everywhere. I was aware that Life Insurance was harder to get as a skydiver, but not health insurance. I'd better pick my next state wisely. Wow, it's nice to know that jersey is good for something It's nice being covered by work, no questions asked. I know i've had to use it, and they can't do anything about it CReW SKies,"Women fake orgasms - men fake whole relationships" – Sharon Stone "The world is my dropzone" (wise crewdog quote) "The light dims, until full darkness pierces into the world."-KDM Quote Share this post Link to post Share on other sites daniel_owen_uk 0 #12 December 21, 2005 Where is the "NHS suckers!!!!" option?__________________ BOOM Headshot Quote Share this post Link to post Share on other sites agent_lead 0 #13 December 21, 2005 my company covers everything... life insurance..medical..dental..risk..accidental..travel.. we get aflak too...which is really good.. however aflack does not cover skydiving accidents..-------------------------------------------- www.facebook.com/agentlead Quote Share this post Link to post Share on other sites FrEaK_aCcIdEnT 0 #14 December 21, 2005 thats what im worried about with my "great " coverage insurance through the work place... ExPeCt ThE uNeXpEcTeD! DoNt MiNd ThE tYpOs, Im LaZy On CoRrEcTiOnS! Quote Share this post Link to post Share on other sites skydiverbry 0 #15 December 21, 2005 I don't have it now but ya in 2003 after my jump accident.I had what I cosidered GOOD Health care, but then I really learned the meaning of a 42 option-------------------------------------------------- Growing old is mandatory.Growing up is optional!! D.S.#13(Dudeist Skdiver) Quote Share this post Link to post Share on other sites MB38 0 #16 December 21, 2005 Full coverage... and 42.I really don't know what I'm talking about. Quote Share this post Link to post Share on other sites Phillbo 11 #17 December 21, 2005 Full policy and was glad I had it when I had a Tib Nail pounded in to repair my shattered leg. The rod alone was 6K, surgical cost another 42K and the hospital stay and follow up cost was almost 23K.... Doing this sport uninsured is a shame. Quote Share this post Link to post Share on other sites PhreeZone 20 #18 December 21, 2005 Girl, you've used it so much you've got to be close to maxing out your policy Yesterday is history And tomorrow is a mystery Parachutemanuals.com Quote Share this post Link to post Share on other sites GravityGirl 0 #19 December 21, 2005 This poll is leaving out one very big variable. The skydivers that likely don't have insurance, likely don't have a computer either, and/or don't spend a lot of time surfing the web or on dz.com. ~~~~~~~~~~~~~~~~~ Peace and Blue Skies! Bonnie ==>Gravity Gear! Quote Share this post Link to post Share on other sites LittleDJ 0 #20 December 21, 2005 Nothing wrong with british humour!! All i can say is thank you for the NHS!!!*********************************** LittleDJ!!- There is no such thing as a perfectly good aircraft!!! Quote Share this post Link to post Share on other sites ladyskydiver 0 #21 December 21, 2005 Yes, I have full coverage personal insurance which means that it comes out of my pocket and costs more. I don't have group coverage through a job.Life is short! Break the rules! Forgive quickly! Kiss slowly! Love truly, Laugh uncontrollably. And never regret anything that made you smile. Quote Share this post Link to post Share on other sites algboy 0 #22 December 21, 2005 QuoteThis poll is leaving out one very big variable. The skydivers that likely don't have insurance, likely don't have a computer either, and/or don't spend a lot of time surfing the web or on dz.com. Right on, Bonnie! What about the "trolls" [it's OK, I'm sort of a troll in my field] who live "underground": in tents/RVs/crashing with friends, pay/receive cash, don't have a computer [yes, I do], and lack insurance coverage? My GOD! Should "we" even be skydiving?? Quick--CALL SOMEONE!! The poll is statistically flawed and insignificant. “Keep your elbow up!" Quote Share this post Link to post Share on other sites JeepDiver 0 #23 December 21, 2005 Major medical, life Insurance, long-term & short-term disability.... and I've saved a whole lot of money by switching my car insurance to geico. Quote Share this post Link to post Share on other sites piisfish 140 #24 December 21, 2005 where I live your employer insures you for accidents, you have to insure yourself for illness (mandatory), and it's highly recommended when you skydive to get the www.rega.com card which costs 23$ a year for helicopter rescue. That's for the health part...scissors beat paper, paper beat rock, rock beat wingsuit - KarlM Quote Share this post Link to post Share on other sites Loonix 0 #25 December 21, 2005 you need another atlernative... In Norway, the state will pay your medical bills.. so if i have or not is a question of definition. And I guess some countries has a mandatory health insurance too, where they arent even allowed to jump without. Which would skew the results of your poll. I voted 42. :) Quote Share this post Link to post Share on other sites Prev 1 2 Next Page 1 of 2 Join the conversation You can post now and register later. If you have an account, sign in now to post with your account. Note: Your post will require moderator approval before it will be visible. Reply to this topic... × Pasted as rich text. Paste as plain text instead Only 75 emoji are allowed. × Your link has been automatically embedded. Display as a link instead × Your previous content has been restored. Clear editor × You cannot paste images directly. Upload or insert images from URL. Insert image from URL × Desktop Tablet Phone Submit Reply 0
FrEaK_aCcIdEnT 0 #6 December 21, 2005 the olny british humor i can think of would be Mr. Bean and Red Dwarf. i used to watch both of those shows on tv at 11:30 at night after work back during my senior year. ExPeCt ThE uNeXpEcTeD! DoNt MiNd ThE tYpOs, Im LaZy On CoRrEcTiOnS! Quote Share this post Link to post Share on other sites
kelpdiver 2 #7 December 21, 2005 Quotedont most insurance policies become voided if the accident involves an activity listed by the insurance policy, like skydiving. I don't think that is true of "most." State laws may vary as to whether or not they permit such exclusions. The American Motorcycling Association lobbied for and got congressional legislation passed that banned company health plans from not covering legal recreational activity because a few companies would not cover biking accidents. That said, I believe the bureaucracy failed the intent of the law when the rule making process came, so I don't know if that protection really made it. Quote Share this post Link to post Share on other sites
NWFlyer 2 #8 December 21, 2005 I have it now because I have a job that provides benefits, and I have had it with every full-time job I've had since college. However, from May through November of this year, I didn't work, and guess what? I took the equivalent of three jump tickets a month and bought health insurance for myself anyway. In fact, I don't think there's a day of my life that I've been without health insurance. Edited to add that my current monthly contribution to my employer-sponsored plan is also about the equivalent of 3 jump tickets. I just get better benefits. But I'm still paying for it (so for those who think job = free benefits, that is not usually the case any more . Employers are asking employees to foot more and more of the bill these days."There is only one basic human right, the right to do as you damn well please. And with it comes the only basic human duty, the duty to take the consequences." -P.J. O'Rourke Quote Share this post Link to post Share on other sites
squirrel 0 #9 December 21, 2005 the exclusion appeared on my plan, and my wife. we live in california. nice weather, bad politics. ________________________________ Where is Darwin when you need him? Quote Share this post Link to post Share on other sites
apixel 0 #10 December 21, 2005 Personally, I think it's crazy to skydive without insurance. Specially in the US. As far as I know, exclusions are not allowed in MA, NJ and NY. These are the three states where I have lived and even called them to ask. The response, "You can get hurt tripping out the door, driving your car off a bridge or skydiving. We are required to cover you." It's scary to know that is not the case everywhere. I was aware that Life Insurance was harder to get as a skydiver, but not health insurance. I'd better pick my next state wisely. Quote Share this post Link to post Share on other sites
selbbub78 0 #11 December 21, 2005 QuotePersonally, I think it's crazy to skydive without insurance. Specially in the US. As far as I know, exclusions are not allowed in MA, NJ and NY. These are the three states where I have lived and even called them to ask. The response, "You can get hurt tripping out the door, driving your car off a bridge or skydiving. We are required to cover you." It's scary to know that is not the case everywhere. I was aware that Life Insurance was harder to get as a skydiver, but not health insurance. I'd better pick my next state wisely. Wow, it's nice to know that jersey is good for something It's nice being covered by work, no questions asked. I know i've had to use it, and they can't do anything about it CReW SKies,"Women fake orgasms - men fake whole relationships" – Sharon Stone "The world is my dropzone" (wise crewdog quote) "The light dims, until full darkness pierces into the world."-KDM Quote Share this post Link to post Share on other sites
daniel_owen_uk 0 #12 December 21, 2005 Where is the "NHS suckers!!!!" option?__________________ BOOM Headshot Quote Share this post Link to post Share on other sites
agent_lead 0 #13 December 21, 2005 my company covers everything... life insurance..medical..dental..risk..accidental..travel.. we get aflak too...which is really good.. however aflack does not cover skydiving accidents..-------------------------------------------- www.facebook.com/agentlead Quote Share this post Link to post Share on other sites
FrEaK_aCcIdEnT 0 #14 December 21, 2005 thats what im worried about with my "great " coverage insurance through the work place... ExPeCt ThE uNeXpEcTeD! DoNt MiNd ThE tYpOs, Im LaZy On CoRrEcTiOnS! Quote Share this post Link to post Share on other sites
skydiverbry 0 #15 December 21, 2005 I don't have it now but ya in 2003 after my jump accident.I had what I cosidered GOOD Health care, but then I really learned the meaning of a 42 option-------------------------------------------------- Growing old is mandatory.Growing up is optional!! D.S.#13(Dudeist Skdiver) Quote Share this post Link to post Share on other sites
MB38 0 #16 December 21, 2005 Full coverage... and 42.I really don't know what I'm talking about. Quote Share this post Link to post Share on other sites
Phillbo 11 #17 December 21, 2005 Full policy and was glad I had it when I had a Tib Nail pounded in to repair my shattered leg. The rod alone was 6K, surgical cost another 42K and the hospital stay and follow up cost was almost 23K.... Doing this sport uninsured is a shame. Quote Share this post Link to post Share on other sites
PhreeZone 20 #18 December 21, 2005 Girl, you've used it so much you've got to be close to maxing out your policy Yesterday is history And tomorrow is a mystery Parachutemanuals.com Quote Share this post Link to post Share on other sites
GravityGirl 0 #19 December 21, 2005 This poll is leaving out one very big variable. The skydivers that likely don't have insurance, likely don't have a computer either, and/or don't spend a lot of time surfing the web or on dz.com. ~~~~~~~~~~~~~~~~~ Peace and Blue Skies! Bonnie ==>Gravity Gear! Quote Share this post Link to post Share on other sites
LittleDJ 0 #20 December 21, 2005 Nothing wrong with british humour!! All i can say is thank you for the NHS!!!*********************************** LittleDJ!!- There is no such thing as a perfectly good aircraft!!! Quote Share this post Link to post Share on other sites
ladyskydiver 0 #21 December 21, 2005 Yes, I have full coverage personal insurance which means that it comes out of my pocket and costs more. I don't have group coverage through a job.Life is short! Break the rules! Forgive quickly! Kiss slowly! Love truly, Laugh uncontrollably. And never regret anything that made you smile. Quote Share this post Link to post Share on other sites
algboy 0 #22 December 21, 2005 QuoteThis poll is leaving out one very big variable. The skydivers that likely don't have insurance, likely don't have a computer either, and/or don't spend a lot of time surfing the web or on dz.com. Right on, Bonnie! What about the "trolls" [it's OK, I'm sort of a troll in my field] who live "underground": in tents/RVs/crashing with friends, pay/receive cash, don't have a computer [yes, I do], and lack insurance coverage? My GOD! Should "we" even be skydiving?? Quick--CALL SOMEONE!! The poll is statistically flawed and insignificant. “Keep your elbow up!" Quote Share this post Link to post Share on other sites
JeepDiver 0 #23 December 21, 2005 Major medical, life Insurance, long-term & short-term disability.... and I've saved a whole lot of money by switching my car insurance to geico. Quote Share this post Link to post Share on other sites
piisfish 140 #24 December 21, 2005 where I live your employer insures you for accidents, you have to insure yourself for illness (mandatory), and it's highly recommended when you skydive to get the www.rega.com card which costs 23$ a year for helicopter rescue. That's for the health part...scissors beat paper, paper beat rock, rock beat wingsuit - KarlM Quote Share this post Link to post Share on other sites
Loonix 0 #25 December 21, 2005 you need another atlernative... In Norway, the state will pay your medical bills.. so if i have or not is a question of definition. And I guess some countries has a mandatory health insurance too, where they arent even allowed to jump without. Which would skew the results of your poll. I voted 42. :) Quote Share this post Link to post Share on other sites
