Notes when buying medicare health insurance

Everyone knows that everything becomes meaningless without health. Buying insurance is a mean of protecting both physical health and your finance. However, before deciding to buy medicare health insurance, you should note those following points.

What you should notice when buying medicare health insurance?

Determine your insurance needs

Unlike the compulsory health insurance, the medicare health insurance products of non-life insurance companies are not only support financially for payment in case of treament, injury or childbirth ... but also help the insured can use the best health service inland and foreign. Depending on the needs and financial capabilities, you can buy insurance to individuals or family members with the selection of medical services (inpatient, outpatient, dental, maternity) with many cost limitations and clinic health locations. If you prefer a hospital that is not in the hospital system, you can pay first and ask for compensation later, although some insurance companies require you must notice before treatment. If you want to save money, just buy insurance package for inpatient treatment to be assured about the cost of hospitalization and surgery.

Coverage

Insurance protects you against unexpected incidents. Thus, insurance companies give limit length of time and eliminate the diseases existed before customers buy insurance. For example, the waiting time for maternity insurance is 270 days from the effective date of the insurance contract. So, if you're pregnant and then go buy insurance, you will not be paid the expenses. This principle also applies to the special diseases like cancer and chronic diseases.

Choose insurance companies

It's not hard for you to seek a friend or colleague who used to purchase medicare health insurance packages. Learn about the real experience and their assessment. Additionally, you can also visit the website of the insurance company to find out information about the product, fees, clinic systems, hospitals and compensation procedures. To save time, you can also reach the hotline of the insurance company to ask for advice. Finally, you can also learn more information on the forums on the Internet - of course with the cautious attitude.

To make decisions in choosing the insurance company, you should establish a comparative table consisting of the following elements:

Geographic scope (domestic, Asia, or globally ...), total maximum insurance coverage, limitation of the rights that most interest you (for example, the cost per day of hospital stay, cost per physician visits ...), hospital systems and clinics paid by the insurance company, whether to choose clinic location out of system or not, …

Note when buying insurance

You should complete the insurance application form honestly, especially "Yes / No" question part. For example, a common mistake of many people is giving "No" answer to all medical history and medical examination questions, even such question as "Do you have periodic health check over the past 24 months?" when they have health checks annually. The wrong answer can become the legal basis for the refusal to compensate.