subject: What Are The Plusses Of Having Health Insurance Policy? [print this page] Medical expenses in the country are increasing day by day. Simple diagnostic tests, surgeries and admission to emergency room can create a deep whole in your pocket. So, having proper health insurance policy for both you as well as for your families is highly essential as it helps in reducing the burden of unintended medical contingencies. The advantages of having a health insurance policy is very clear as it provides you the chance to look after yourself and your family and importantly you would not have to worry about the cost of medical care. Numerous traditional as well as online health insurers are operating in the market place. You can easily get the insurance quote offered by these insurance providers for different insurance policies. Once you obtain these insurance quotes, you can compare them and finally purchase the health insurance policy which best suits your's and your family's needs well. If you do not have a health insurance policy, it is high time that you should obtain one as soon as possible.
Health care insurance policy provides you the much needed coverage against any emergency medical situation. However, for the protection offered by the health insurers, you are required to make some pre-fixed amount to the insurers as premiums at regular intervals. There are numerous health insurance plans, available at the market place. Before purchasing any one of them, you need to understand the policy well. You should look for a policy, which strikes a good balance between the health coverage and the cost. There are two types of health insurance policies - individual health insurance policy and group/family health insurance policy. In a group health insurance policy, instead of an individual, many persons are covered. One advantage of group health insurance policy is that all the eligible people are covered by the group health insurance policy irrespective of their health and physical condition. Whatsoever, a health insurance policy offers you and your family numerous advantages, which are listed below.
You can choose your own doctor
In case of individual health insurance policy, you have the option to choose your own doctor.
Customized care
In case of individual policy, you have direct control over the policy and its advantages. However, in case of group health insurance policy, you do not have that liberty. You can negotiate with the insurer to include or exclude certain provisions in the policy.
No physical test for group health insurance policy
In case of group insurance policy, all the members of the group are insured, without conducting any physical examination. All the members of the group are insured irrespective of their physical condition and prior medical history. Only criteria imposed on the group health insurance policy is on the eligibility period. All the members are insured up to certain stipulated time period.
Group health insurance policy is less expensive
Total costs of issuing individual policies for each member of the group separately, are much lower than a group health insurance policy.
Whatsoever, having proper health insurance policy has some distinct advantages. Depending upon your requirement and financial situation, you should have proper health insurance policy for your and your family.
by: Juanita Martinez
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