Medical Insurance: What to Consider Before Taking OnePosted on 2012-11-21 09:00:11
Before you delve into getting health insurance, there are some things to consider:
- What is my budget? How much will I be willing to set aside for insurance in my annual budget?
- What kind of risk am do I want to be insured against? E.g. I can get medical insurance to cover my medical expenses only if I am admitted in the hospital or get medical insurance to cover my inpatient and outpatient expenses.
- Which insurance should I choose? This will depend on what kind of medical cover you are seeking and your budget
- What are the conditions being offered by the medical insurance company?
- What is the maximum amount the medical insurance will cover in the event of an illness or an accident?
- What benefits does my medical insurance cover? Does it cover for dental treatment or maternity services?
- What is excluded from the medical insurance policy?
- Which hospitals or Doctors does my medical insurance allow me to see?
- Can I visit the hospital or Doctor of my choice?
- Do I have to co-pay for medical treatment or does my insurance cover for all costs?
- Does my insurance cover chronic diseases like cancer, diabetes and HIV?
- Is there a waiting period for the medical insurance to take effect?
- What are your conditions for pre-existing illnesses? Do they have a waiting period?
Dear Felics, Thanks for your question. However, since headaches are a symptom of a multitude of conditions, we need more information to begin to narrow down the possible causes. Where exactly are the headaches? How long have they been occurring? How long do they last when they occur? What makes…over 3 years ago By:Dr ROSE MUTHONI KIURA
Dear Teresia, Thanks for your question. It is difficult these days to find a place to get absolutely free treatment, especially for ophthalmology services. You can try the subsidised eye hospitals like PCEA Kikuyu hospital or Lions Eye Hospital in Loresho. These are not completely free but they are significantly…over 3 years ago By:Dr ROSE MUTHONI KIURA
Dear Ssekito, Thanks for your question. There are different approaches to managing keratoconus, deepening on the severity of the condition. In some cases, spectacles or contact lenses can suffice. However, in some cases surgical intervention is necessary in the form of cross-linking or even corneal transplant in few cases. As…over 4 years ago By:Dr ROSE MUTHONI KIURA
Dear Hannah, Thanks for your question. Antibodies are often present in the blood 2-3 months after exposure to HIV infection, at this time they can be detected in the test. Therefore 4 months after the test should be reliable. However, if you are still anxious, it is advisable to repeat…over 4 years ago By:Dr ROSE MUTHONI KIURA