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Life insurance Health Insurance Tips.
Regardless of the reason that has led you to hire a health insurance policy, it is important that values among the entire supply of products you have in the market, which best suits your needs.
In most countries there are several companies that offer health insurance, so we can compare and get the most suitable for us.
To save money, we can ask our usual insurance company first if you have this product. If you have it, you will probably get better price than if you hire it with another insurer because you are already a customer.
Do not leave either to ask your company if they have any agreement with an insurer for a collective service, or to your bank or savings box, in case your offer has any kind of promotion.
Health Insurance Modalities
Insurance without co-payment: You pay the premium as you agree with the company and nothing else. Every time you need it you go to a specialist in the medical (and only medical box) of the insurer in the typology and province of residence. Some companies charge you a dollar per visit so you are aware that everything has a cost and you do not go to the doctor without real need.
Insurance with co-payments: health insurance coverage is more limited, so outside of the most basic general medical or nursing services collected in the medical chart, pay for the benefit received. It is more economical and may be more interesting for people who have the insurance more by prevention than by necessity or who have a scarce medical picture in their province.
Insurance with reimbursement: it is the most expensive. With this insurance the medical chart is no longer necessary because the insured can go to any doctor or clinic who wants to be or not in the medical box of the company. The user pays for everything, but the insurer reimburses it within established limits. It is very interesting for international coverage or rare diseases.
Other important features
To be able to hire health insurance you have to prove that you do not have a disease that requires medical services immediately. Having healthy living habits helps pay less, but the important thing is not to lie, in case you get caught.
In any case, all health insurance has a period of cadence with which the backs are covered in case the insured requires the insurance services in the first weeks or months. As the customer gains in seniority, the company is opening services in the form of authorizations.
In this way, insurance companies are prevented from being discharged in health insurance only when they are detected a disease and are discounted when they are overcome. It is also more profitable to take out the insurance being younger because the progressive increase of the quotas will be lower than if we hire the insurance already with a certain age.
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Regardless of the reason that has led you to hire a health insurance policy, it is important that values among the entire supply of products you have in the market, which best suits your needs.
In most countries there are several companies that offer health insurance, so we can compare and get the most suitable for us.
To save money, we can ask our usual insurance company first if you have this product. If you have it, you will probably get better price than if you hire it with another insurer because you are already a customer.
Do not leave either to ask your company if they have any agreement with an insurer for a collective service, or to your bank or savings box, in case your offer has any kind of promotion.
Health Insurance Modalities
Insurance without co-payment: You pay the premium as you agree with the company and nothing else. Every time you need it you go to a specialist in the medical (and only medical box) of the insurer in the typology and province of residence. Some companies charge you a dollar per visit so you are aware that everything has a cost and you do not go to the doctor without real need.
Insurance with co-payments: health insurance coverage is more limited, so outside of the most basic general medical or nursing services collected in the medical chart, pay for the benefit received. It is more economical and may be more interesting for people who have the insurance more by prevention than by necessity or who have a scarce medical picture in their province.
Insurance with reimbursement: it is the most expensive. With this insurance the medical chart is no longer necessary because the insured can go to any doctor or clinic who wants to be or not in the medical box of the company. The user pays for everything, but the insurer reimburses it within established limits. It is very interesting for international coverage or rare diseases.
Other important features
To be able to hire health insurance you have to prove that you do not have a disease that requires medical services immediately. Having healthy living habits helps pay less, but the important thing is not to lie, in case you get caught.
In any case, all health insurance has a period of cadence with which the backs are covered in case the insured requires the insurance services in the first weeks or months. As the customer gains in seniority, the company is opening services in the form of authorizations.
In this way, insurance companies are prevented from being discharged in health insurance only when they are detected a disease and are discounted when they are overcome. It is also more profitable to take out the insurance being younger because the progressive increase of the quotas will be lower than if we hire the insurance already with a certain age.
