steps before buying health insurance

Tutorials1927 - Health insurance products increasingly diverse. These products are not only sold in life insurance companies, but also general insurance. You must carefully before buy.

Under these conditions, a lot of health insurance products available in the market. Moreover, sometimes an insurance company also has more than one health insurance products. If not careful, we could be miscast. Before choosing an insurance product, you can pay attention to this:

1. Credibility insurance company

You have to pay attention to insurance companies that offer health insurance products. Whether its long experience dealing with products that are included in the claim process

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2. Scope of benefits

In insurance, of course we will look at the benefits we will get. Instead, you can compare one health insurance products with health insurance products in other companies. See also coverage such as inpatient, outpatient, surgery and rehabilitation

3. Limit the cost of a given

The product has a cost limit (indemnity) or without limitation costs in accordance with the medical indication (managed care)

4. Number and distribution provider

It will be important in particular will help us in the process of health care. Providers here means referral hospitals, clinics and other health facilities

5. Check whether the insurance company has a direct contract with the provider.

Where a contract directly with providers such as hospitals, clinics, pharmacies or laboratory, then there is no guarantee of service quality and fairness of charge

6. Service customer service

You have to see whether the company has a customer service for 24 hours or not 7. The amount of premiums for our health can not be assessed price. So that consideration of the amount of premium received special attention as well after we select the insurance company. In addition, premiums also will determine our ability to pay. Do not until you can not afford to pay.

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8. Adjust with risk

In choosing health insurance, a borrower must know beforehand about the suitability of medical products to the needs of prospective customers. For example risk anything guaranteed and are not guaranteed in the policy. It also includes the amount of the premium to be paid and the procedure for filing claims

9. Compliance budgets

Back again affair money. It had to be adjusted to the budget so as not to interfere with other needs, but the needs remain unmet health insurance. If you need a comprehensive health insurance benefits but have a limited budget, you should have a pure health insurance premiums relatively lower than investment plus insurance.

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