Secure with early repayment of hospital charges

Posted on October 1, 2013 by john in Health insurance

Even before that I chose health insurance hospital reimbursement against health insurance medical staff , for the simple reason that I think are really useful when we want a free and comprehensive health care to meet our health and the of our families.

The main drawback of this type of insurance is that first we must meet health costs us to subsequently recover from the insurer ‘s share of the costs we have contracted . And that, how is the economic situation, can be a major drawback.

But someone always offers us a solution . We have a policy of reimbursement of medical expenses in our unique and atypical insurance market , which we can get a refund anticipation of hospital costs . That is, the “possibility , notice to the Insurer and recommended by the centers , to run with the whole expense of the Insurer and subsequently restore the Insured , the amount of the excess to the Insurer ” .

For example I have to operate and the bill amounted to 6,000 € . Typically, in this type of insurance is that I pay , and subsequently submitted to the insurer ‘s expenses ( and clinical reports ) to give me back the percentage agreed in the policy. If 90% return me € 5400 . But with this particular insurance is the insurance that pays first € 6,000 to the hospital or clinic , and later spend a receipt of € 600 by 10% due me .

The only requirement is notified prior to the insurer so they can tell the hospital they who will take care of the bills. Obviously we can not claim to have a ” magic ball ” and guess what we ‘re going to do , when and where to send payment authorization . It is very important to note that we are not requesting any authorization for treatment , requesting only take care of our expenses in advance .

This is not a list of aided schools to which we intend to address specific interest ( save money) . But in the case of a global insurance is impossible that 100 % of hospitals and clinics in the world known to the insurer and accept that it is they who pay first for us. So it is advisable to consult first.

Is not intended for public assistance ( impossible since you can not take care of preexisting conditions ) and is required prior notice to take full advantage , but knowing that the possibilities offered are great and at a ridiculous price.