Show X WhaQ Y©y SDnonaOdl 'v &!ni©w Aboyfl ’ (This is the last of a special series of articles based on the new book “Kiplinger's Family Buying Guide ” by the Qastirojplhie shin Copyright 1959 by the Kip -linger Washington Editors Inc Published by Prentice-Ha- ll Inc Englewood Cliffs iccMon NJ) or your money back! Spstbl live octicn lather dees it! Colgate Instant Shave actually Faves the “Tender Zone” under your chin as smoothly as your face Amazing live action lather is charged with activated moisture that softens whiskers for the quickest closest shave possible with-- '' out irritating nicks or scrapes Get new Colgate Instant Shave ICOKIT-tACUJUtAKTf E If not completely satisfied with Colgate Instant Shave send the package to Colgate-PalmoliC ve Company for a full refund COLGATE Instant Shave p No better shave cream at any price if rm prefer takes tHere's eetklsj kettar ar Cetpt protection against Health insurance— and hospital bills— is now as familiar an institution as hot dogs and mustard Most of us have it and we’ve come to rely on it to pay the bills when our children are bom when one of the kids has his tonsils out or when Grandma slips and breaks a leg Few of us however are covered for the disastrous accident or crippling disease that might require a long hospital confinement costing thousands of dollars Recently insurance companies have recognized this shortcoming of standard health-insuranpolicies and now offer what they call “catastrophe” or “major medical” insurance Catastrophe insurance is written on a deductible basis like automobile insurance: you pay the bills for any accident or illness up to let’s say $200 or $500 then the policy takes over and pays up to as much as $5000 or $10000 A Baltimore Md office worker bought a catastrophe policy a couple of years ago and recently learned that his ce Regular or Menthol tfcae Ceigxte Break test DmisyirainKse What if your family were suddenly faced with an enormous hospital bill? Here is a type of coverage to consider before that happens staff of “Changing Times” VJiihoirt t Latker Live a “regular life” ' ' wife had cancer His salary was $5500 per year hardly enough to pay for the major operation she needed and his health insurance would cover only a “ fraction of the bill His wife remained in the hospital for 30 days The total cost of the operation room and board hospital extras and special nurses amounted to a staggering $2800 His health insurance paid $803 - but that left $1997 still to be paid If he had to borrow the money it would have meant scrimping and saving for years perhaps even losing the new house he and his wife had recently put a down payment on But with his catastrophe policy he had to pay only the deductible ($200) and the policy paid the' rest His case is typical of how catastrophe insurance can save the day when a major medical expense unexpectedly arises In general you’ll do better buying a policy with a high deductible ($500) particularly if you have regular hospital and surgical coverage The premiums for a policy are 30 per $500-deducti- ble cent cheaper than that for the same policy with only a When you’re selecting your catastro- phe policy avoid any which lists the particular diseases it pays on You want blanket coverage that pays no matter what the cause of the big medical bill Some policies pay only 75 percent to 80 percent of hospital medical and nursing bills (above the deductible) and while it is better naturally to have 100 percent coverage premiums on these “coinsurance” policies are much cheaper $200-deducti- ble other types of insurance a policy is cheaper when bought on a group basis Some companies already have added this coverage to the basic hospitalization and surgical plans covering their employees so check to see if it’s available where you work If it isn’t perhaps you could suggest that the company investigate the possibility of adding it Catastrophe policies have some limitations and exclusions the with As catastrophe so-call- ed without laxatives -- Now stop fighting constipation with laxatives or “bulks” that work unnaturally uncomfortably! 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