Thứ Sáu, 8 tháng 1, 2016

5 notes when buying healthcare insurance (P2)

To make decisions choosing the insurance company, you should establish a comparative table consists of the following elements:
Geographic scope (domestic, Asia, or globally ...) Total maximum healthcare insurance coverage limits of the rights that most interest you (for example, the cost per day of hospital stay, cost per physician visits ...) System hospitals and clinics by the insurance company directly pay the cost of elective Get health care system outside the insurance company has not publicly available compensation procedure is not level insurance fees.

Note when buying insurance
You should complete and honest in the healthcare insurance application form, especially part question "Yes / No" for example, a common mistake of many people is answered "No" to all questions history medical history and medical examination, including questions such as "Over the past 24 months you have periodic health check not?" when they have health checks annually. The wrong answer so may be the legal basis for the refusal to compensate the insurance company.
The declaration honest about your medical history often benefit more customers are not declared. Indeed, although the insurance company may deny coverage and reimbursement for customers, they can still accept healthcare insurance coverage for such patients with lower levels of responsibility or ask customers to share part of the costs through increased rates or fees deductible. However, if the client is declared dishonest insurance company not only refused to pay compensation, but also retained premiums earned - then "money lost, disabilities bring."
And when the claim
You should note that insurance companies pay only for expenses directly related to the care and treatment of sick or injured. Therefore, tests, medical examinations, medications, vitamins, minerals, dietary supplements ... not by a physician appointed, or directed by a doctor but not really a medical emergency will be insurance company refused payment.

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