New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1896-09-20
INSURANCE FOR WOMEN.
THEY CAN GET ACCIDENT INSURANCE
POLICIES ONLY If wAGE-EARNERS'
THEN THE LIMIT OF INDEMNITY rs SO A WEEK.
THE BICYCLE ACCIDENT BUSINESS
A DISAPPOINTMENT.

THEN THE LIMIT OF INDEMNITY rs $40 "bbh-
THE BICYCLE ACCIDENT BUSINESS
A DISAPPOINTMENT.
A a result OF the widespread popularity OF '''
bcvcle among women and the large numper VI a''
cidonts which have followed in Its train at''"'''"
,as been called to the accident insurance conpn'''
and tho rules which they have established relating
to tho accounting of women as nsurable risKs'
MANY a woman after reading OF some serious
mIshap to one OF the members OF her SEX or Az
having had some narrow escape from 'nJu'' ~"
Golf has decided that II would be good thing TOT
her 10 carry accident insurance, ana mas a' o"
set herself about the business OF obtaining pr
lev Tpon approaching an agent she has oeeh sur
,r,sod IN find that the company does not care 10
entertain an application for insurance from he' eN
cent on the death only" plan. unless she ~ ""e'
Garner and receives a stipulated sum io' ~"
each week and even In such q case the nh"J''"' "
the accident companies place the limit Oh WIZ
indemnity mt SO II she be not wage-earner' 'hch
the policy issued by the company provides 'o'
given sum in OF death by accident In case u.
sum desired IS s. OO0 the assured IL coVered dBan'
accidents generally follows In case VI u'a'''
s. 900: loss of both hands 5000; loss OF po'n 'ee'
5000: loss Of one hand and one foot soV"' loss VI
both eyes $500; loss Of one eye, S7~' loss oi '"'
hand or foot. sl,7Oo
such policy costs. from so to s25 year. dcpeni-
,,,,, -, tho comnany selected. For the ne amount
~ money all business men and those with incomes
from stocks and bonds real estate or other sour e'
which demand personal attention can oo'a'" '''
above protection with the added feature OF an d"
demnity of s25 week in case they are so 'iS"o'e'
bv an accident as to be laid up and kept from at
tending to business.
When a manager for one Of the leading ac''u'"'
comnanies whose home Office is In this city was
seen by a Tribune reporter and asked the reasons
for the discrimination against women IN the way "a
benefits offered in the policies OF the COMPANY TIC
said that women were not consldered u'Sn""
risks and the company made no speclal po',' u
working up business with them In the first place
# was expained women have not the same strong
nbvstcai rnakeup as men, and therefore more
prone TO injury. And again, when injured they are
more slow in recovering from INJURIES ana the IoSS
to the company the same kind OF injuries y"
women are almost third again as much as III '"e
case Of men. 1t stated that the ihue"in''S
guaranteed to the assured In an accident policy was
intended to make up for the loss OF value OF ume'
I,vcn in the case of men the companies require that
in the application it shall be stated just what me
weekly income Is and I'm no case Is the lhue'l'h'S
of the policy excess of this amount II II "''e'
II would act as a premium on fraud as "hen d
man was injured it would pay him better 10 remain
at home and draw his accident insurance than 10
,o, ont again and work at his business. 1t was eX-
n,otrod 70 the reporter that the companies were
ohlipod to be constantly their guard against
fraud. Women have figured frequently III n"uus
nerpetrated upon insurance companies. lhis l. "uo
not only of accident companies, but HE insurance
also Many life insurance companies
oven AT the present day. refuse to issue poces 10
women while others refuse 10 make the huSpdn'
% = woman the beneficiary under the terms OF me
nolicv but will write policies for the beneht OF
minor children and will issue to single women pun
cies of an investment character when are 'ahe',
out Will, the idea of thus saving money ~ soo'
advantage
what has been said relates the rules OF the
uaioritv of companies in the accident buslhess
oc co,ree there are a few exceptions; and now ana
thon q company will be found which VIII issue
full indemnity policy TO woman. In such cAse'
the price paid is likely TO be GOOD one. ana ,r
Erred cIas of risks All applicants for acciden, m
surance are classified TO their occupation anu tn
charged for the insurance Is governed az
rordInriv Women engaged in occupations wnLch are
regarded by the company as ha%a. 10 H. Emit
H'idorod nc insurable risks by any or tne rep't-
= Vi o,nnanes doing business. This bars thosc
Who are engaged In factories at work on ma, IN
imdes those working In offices and stores as CLERKS
cashiers, etc: ,ao, ,onular sev- |
oral Of the companies sent out SPECIAL FORM o.
policy injuries reSeiX yea W bis kind Of poly
& low and II was expected that lucrative pusI-
ness you'd accrp no u offered small indemnity to
", l,. I'm, II q woman wanted the poicy shS NdS
gt Iu 70 accent il without the indemnity clause
9p'ls,m con for this was explained TO be on tre
lLu,,, ,hot women were not as strong ana Marcy
trou,s , and tho liability TO injury among them was
a. ",a t FOR The company carry at those rates;
100 1o 1iI,ca Motley was pushed by the Agents oi
ne pn ~ ,he companies until 1t became known tnai
-. ikird of business not what was ~ ~
lx'I Nvhie the policies still issu"H ny tls
compancs when demanded ther. Is no W. ", Mn M
70 obtain the business among competing o'so''A"
tons =, .,ao,, Insurance an applica-
~, - n,,,., he made I'm writing upon BLANKS Iul
,i oh for that purpose by the company In tEese
APPLICATIONS statements OF decidedy per- eId are
W. ara renuired and the agents In me lIelu az
oIigeS 70 use great diplomacy and tact IN ask'ng
women the questions necessarry ne deiienie one
but in an insurance application 1t must H bs son
.'ps,inree agents find il necessary 10 prom
ss the srces kind of professional seSreGy Then
- con obtain the Information desircI. M
- orn Questions asked to the 'nirdclci VI
the occunaton whether the applicant mas EYER h n
-" o. disorders Of the BRAIN and "ntt lIie n.y.
I;fo arc All Of which makes the nrst SUD loi
us -, in obtaining policy rather emoarrass-
ing.