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?
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