5 surprises to avoid health insurance

Posted on October 1, 2013 by john in Health insurance

There is much information on the internet about tips for choosing a good private health insurance and the reasons or advantages to having one. I will not talk about this now , you already know your experience, what you need and if it is in your power to pay . But today I want to talk about 5 things you will not find easily by consulting the net, because writing is done for some reason (from criticizing because you feel hurt until you want to publicize your product ) and normally these issues are not outstanding , but they are.

You will find it easy to see the wide range of guarantees and services at your disposal, the quality of medical charts concerted and greater or lesser number compared to others, its presence by the provinces and major cities , the image of the company and brand, including warranties or free services , gifts a few months of insurance, etc … but what I do not speak very high are:

1. - If it can be lifelong and under what conditions . Many private insurance end when you reach a certain age , most often at age 70 , regardless of the years that take insured, a shame but true. Others on the contrary you can keep for life but how they do get the truth , not to apply a penalty for age that results in a renewal prices so high to keep the policy is too complicated a task .

2 . - The exclusions that exist and how they affect you in your particular case. Important here is to make a correct statement of health status for possible pre-existing conditions , conditions you have before hiring health insurance , and whether known or not since it will have different treatment as may be met fully, partly or directly be excluded from the contract.

3 . - The authorization system and the degree of freedom you have when choosing to medical centers , specialists or treatments to see if they suit you. Remember listings concerted centers and professionals are not immutable and are modified every year , so you want to know what you can do in case one of these left out of the lists had to hire initially .

4 . - Carefully read the policy and examines the economic sub-limits for each benefit there . If you can use services outside aided schools or not, if the scope is national or global , what kind of diagnostic tests take care of and the number of the same year , covered prosthesis types , amount reimbursed in those guarantees that not consider it, if there is a maximum number for a certain type of action , if any franchises or vesting , etc …

5 . - Clarify if there are any co-payment or penalty for excessive use . The copayment was gradually eliminated by competition among insurers , but the current economic circumstances have made it appear cheaper insurance for more people to maintain some form of private health insurance , and a way to lower it is important to apply copayments to insured.

Remember, now that all cuts is important we do well not to give up what more we need. Health insurers have many distinctive aspects of each other , not to mention the various medical interventions possible . So as I always do from this blog I advise you to find an insurance intermediary , in this case specialized in the field of health to help you hire the best product to suit your needs.