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About Herald and news. (Klamath Falls, Or.) 1942-current | View Entire Issue (Nov. 1, 1959)
VZONE, J Shave your tender zone Without skin irritation or your money back! Special live action lather does it! Colgate Instant Shave actually shaves 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 quick est, closest shave possible . . . with out irritating nicks or scrapes. Get new Colgate Instant Shave. MONEY-IACK GUARANTEE. If not com pletely satisfied with Colgate Instant Shave, send the package to Colgate Palmolive Company for a full refund. COLGATE Instant Shave Regular or Menthol IroLCAnj No better shave cream at any price 69 II you prtler tabtt, Unrt's Mtklaf itrtir Iku Cilfili IrolilHt tr C.liiti latMr. Live a "regular life" without laxatives Now, stop fighting constipation with laxatives or "bulks" that work un naturally, uncomfortably ! Slay "reg ular" with Kiiiiuoi. It's not a laxa tive, yet it restores regularity as no laxative can. Rfgutol simply makes the moisture in your colon keep waste soft for easy, normal elimina tion. Hospital- sssjssj proved... sale, not fnSiJ hahlt-torming. 30 & mVHJ tnblels.onlvSI.OO. siszsX No Nagging Backache Means a Good Night's Sleep Natnrirur backache, headache, or muiru. lar aches ami pains may come on with overexertion, emotional upsets or day to day sirens and strain. And folks who eat and drink unwisely somt'tirmt suffer mild bladder Irritation... w(Ut that rest less, uncomfortable feel inn. If you are miserable and worn nut be cause of these discomforts. Ioan's Pills of ten help by their pain relievinK action, by tbelr soothing effect to ease blmlder lrr. tntion, and by their mild diuretic action throUKh the kidneys tending to increnie the output of the 16 miles of kidney tubes. So If naming backache makes you feel dftitrfred-out. miserable, with resile, sleepless nlKhta, don't wait, try Down s Pills, net the same happy relief millions have enjoyed for over 60 years. Ask for new, Lanre, economy site and sav money. Get Doan'a Pills today I (This is the last of a special series of articles based on the new book, "Kiplinger's Fam ily Buying Guide" by the stajf of "Changing Times" Copyright J 959 by the Kip linger Washington Editors, Inc. Published by Prentice Hall, Inc., Englewood Cliffs, N. J.) What You Should Know About Catastrophe Insurance What if your family were suddenly faced with an enoimous hospital bill? Here is a type of coverage to consider before that happens Health insurance protection against doctors' 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 born, 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 dis ease that might require a long hospital confinement, costing thousands of dol lars. Recently, insurance companies have recognized this shortcoming of standard health-insurance policies and now offer what they call "catastrophe" or "major medical" insurance. Catastrophe insurance is written on a deductible basis like automobile insur ance: 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 $5,000 or $10,000. A Baltimore, Md., office worker bought a catastrophe policy a couple of years ago and recently learned that his wife had cancer. His salary was $5,500 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 $2,800. His health insurance paid $803, but that left $1,997 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 $500-deductible policy are 30 per- FOUNTAIN OF YOUTH by REAMER KELLER "He used to have two left feet until he took dancing lessons. Now he has two right feet!" cent cheaper than that for the same policy with only a $200-deductible. 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. As with other types of insurance, a catastrophe policy is cheaper when bought on a group basis. Some com panies 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 possi bility of adding it. Catastrophe policies have some limi tations and exclusions, the so-called "The perfume didn't have the effect I thought it would. He just sat and sniff ed me oil evening." ramitu Weekly. November 1. 1959
