subject: Looking For Health Insurance? Follow These Tips To Find A Suitable One! [print this page] In today's time, health insurance is a must for every individual. However, choosing a health insurance is a fairly confusing task. However, if you pay attention to the points below, you'll find it quite easy and straightforward to choose the right policy for you or your family.
Broadly speaking, there three things you must give very careful consideration before committing to any health policy cost of premium, what all is covered and where is the coverage available.
Start with the your budget
Everybody pays attention to the cost of the premium. Though a very important factor, it should not let you ignore or give less weight to the other two coverage and network. A lot of websites today provide a calculator to calculate the cost of premium based on your age, medical history and other similar factors and then list you the various health insurance schemes from various insurers. This makes it very easy for you to narrow down your list based on your budget. You should always look out for hidden costs and expenses and if possible verify with the actual insurer.
Determine what all is covered
This is the sole purpose of a health insurance. So you should be very very careful while going through the list of what kind of medical situations are covered and how they are covered. Good policies will easily list out the major diseases and medical conditions they cover. They will also clearly mention what all they will not cover and under what conditions will they not cover. A lot of informative websites are there to guide you and elaborate various technical details. Remember that the more questions you ask the safer you are and better covered you are. Especially look out for maximum amount limits based on procedures. Such policies are best avoided as a figure which may seem good enough today might easily be worth far less six months later.
Almost all policies will not cover self inflicted injuries or injuries caused under the influence of alcohol or drugs. The limitations section of the clauses will clearly list out everything. Females should definitely watch out for maternity coverage especially if they're planning to get pregnant after committing to a policy. Most health insurance policies do not cover maternity claims.
Where is the coverage available?
Your health insurance may be covering everything you might ever need but it's no good if you're at a place or location where your insurer is unable to cover you. So find out about all the various places your insurer has tie ups with various hospitals, nursing homes and medical professionals. This way when you're travelling you can always have a mental note of providers that will work with your insurer to cover your medical needs. Most health insurance policies clearly mention in the limitations section of their clauses the geographic locations where they will not be able to cover you. Some may cover your relocation costs from such an uncovered area to the nearest covered area however, most do not. So pay attention to such limitations carefully.
by: Tony
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