subject: Health Insurance Aids May Prove To Be A Powerful Weapon To Fight [print this page] A man while injected with AIDS, generally face hurdle in time of holding health insurance. You may get health insurance coverage by the intervention of the government agencies. But, your responsibilities of getting insurance do not come to an end here. You should keep in mind many matters while buying health insurance aids.
Very often insurance companies discriminate against HIV infected people. Underwriting is a crucial matter. The underwriters analyze the information to determine if the buyer or applicant of insurance fulfills the requirements of the company to be able to get the needed insurance plan. The agent will ask you a series of health related questions permitted by the State Department of Insurance. The law prohibits the insurance companies to assess the risk of a person regarding sexual orientation. This is the reason why insurance companies distinguish without feasible cause. It has been found that some companies are denying single male of a particular age group living in areas known as gay friendly. During the time of granting any affordable health insurance any sickness or injuries just prior to grating the insurance is reflected in the insurance. It means that whenever the policy holder has survived an illness prior to the acceptance of application, then the subscriber cannot claim the compensation for medical bill for treatment of that ailment or any other illness arising out of that illness.
Very often, the symptoms of AIDS are detectable as they see the medical reports regularly and also are very much familiar with the present and future illness. Many times the insurance policy is written suspecting a person having infected with HIV so that the buyer cannot claim any compensation for AIDS.
Generally, the insurance carriers use the process of application as a loophole to deny claims. If a policy holder is detected with HIV after purchasing the policy, the insurance provider denies him coverage citing that the person has given a false medical history.
But, you cannot deny the importance of medical aid. First of all, a medical aid will offer us peace of mind while we are sick by enabling us to meet the expenditure of treatment. Then, it ensures that you will be looked after well. You will be served by both money and treatment in time of your medical care.
So, it is sensible if we pay a monthly premium amount for subscription to medical insurance plans, such as diabetic health insurance plans. Thus, spending in every month will come back to us in the form of medical care in our crying need. Otherwise, you may find difficulty in meeting your expenditure need. There is difference between health insurance and medical aid. The health insurance is the process of protection from some particular diseases. Then, we see that health insurance is cheaper than medical aid. The latter is expensive because we are to pay for such diseases for which we never do any claim during the while lifetime. So, you are required to decide your own that which policy will suit your need most and, accordingly, you proceed.
by: lesterhobbs007
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