Do you want to choose health insurance and do not know how to make the choice? Here are some ideas and tips for understanding how to make the best choice
Set the Mode
The various modalities existing in Health Insurance are:
With regard to the reimbursement modality, it is understood that the insured / clients can choose which doctor or medical services they wish to use, the client being responsible for the full payment of the service and then must send the proof of payment to the insurer that will reimburse the customer of an importance ranging from 80% to 90%.
The mode of Assistance the client’s option for medical services should be confined to a network of medical services that the insurer itself makes available. In these cases, the client benefits from the service and pays only one co-payment in the act, with the rest of the medical service being paid by the insurer.
The Miners option intends to add a little of each of the previous modalities, since the insurer provides the client with a network of medical services but also allows the client to choose where he wants to use medical services.
Based on these three modes of Health Insurance , we can see that the first option allows the client to enjoy greater freedom to choose the medical services according to their preferences. However the second modality has the disadvantage of the client having to limit their preferences to a pre-existing network.
On the other hand, the third modality has non-network contributions less than the reimbursement modality.
Evaluate the Basic Coverages
Insurers have evolved to customize health insurance to the needs of customers, enabling the client to choose the coverage that best satisfies them. There are two basic coverage of Health Insurance:
- Internment (compulsory for all health insurance);
- Ambulatory (referring to medical appointments).
Define Your Priorities
It should be borne in mind that Health Insurance works somewhat like an Auto Insurance, in that only the contracted coverage is covered by the insurance policy.
For example, if a glass of your vehicle has a setback your car insurance policy will only cover the costs if you have the glass breakage cover in your policy. Similarly, in health insurance, a pregnant woman will only benefit from childbirth coverage if she has it in her insurance policy.
Keeping in mind the riddle of the coverages, it is clear, like the car insurance, that the more coverage a client hires, the more insurance he will have to pay. So, set priorities and goals, that is, what you want to enjoy with your health insurance and only hire the coverage that meets your needs.
Beware Exclusions and Grace Periods
The grace period is defined as the period during which the insured can not benefit from the contracted coverage. Generally, the periods are between 30 and 180 days, and some insurers have grace periods for certain coverages over 1 year.
Similarly there are treatments and diseases that are excluded by nature, namely, pre-existing diseases, or in some insurance, psychiatric treatments. Therefore, the client must request in advance for the general and special conditions of the health insurance policy and read very carefully.
Be Rigorous in the Medical Questionnaire
In the clinical questionnaire is a small introduction of the health of the client, so you should not hide anything. We emphasize that you must identify all the diseases you have had, respond with total honesty and rigor.
The reason is simple, if the insurer apprehends that the health problem had already been diagnosed before hiring the insurance may not pay the treatments, but also if there is evidence that there has been a deliberate omission by the client, the insurer may even cancel the insurance and get the premium that had already been paid.
30 Days to Report Insurance
This period should be taken into consideration for the client to analyze carefully and to remove any doubts about the coverages that contracted. Therefore, clients have a period of 30 days to analyze it, and during this period they may invoke the right of withdrawal and the insurer will have to cancel the policy and return the money.