5 notes when buying healthcare insurance (P1)

Everyone knows that without health, everything becomes meaningless. Buying healthcare insurance is a means of protecting both physical health and your financial health. However, before deciding to buy healthcare insurance, you should note the following.

Determine insurance needs

Unlike the compulsory healthcare insurance, the healthcare insurance products of the company for non-life insurance is not only financial support for the care and treatment of disease, injury or childbirth ... but also helps visitors consumers can use the best health services in the country or abroad. Depending on the needs and financial capabilities, you can buy healthcare insurance to individuals or family members with the selection of medical services (inpatient, outpatient, dental, maternity Is) to limit the cost and location of various health care. If you prefer a hospital that is not in the hospital system by the insurance company directly pay the cost, you can still pay first and claim later, although some insurance companies require you must notice before treatment. If you want to save, just buy package healthcare insurance for inpatient treatment can be assured about the cost of hospitalization and surgery.

Learn coverage

Insurance protects you against unforeseen incidents. Thus, insurance companies are given limits on timeout or eliminate the disease existed before customers buy healthcare insurance. For example, the waiting time for maternity insurance is 270 days from the effective date of the insurance contract. So, if you're pregnant and then go buy healthcare insurance, you will not be paying the cost of having a baby. This principle also applies to the special diseases like cancer and chronic diseases.

Selection of insurance companies

It's not hard for you to seek a friend or colleague had purchased healthcare  insurance packages. Learn about the real experience and their assessment. Additionally, you can also visit the website of the insurance company to find out information about the product, premiums, a system of clinics, hospitals and compensation procedures. To save time, you can also call free hotline of the insurance company to ask for advice. Finally, you can also explore multi-dimensional information from the forums on the Internet - of course with the cautious attitude.