What risks that you take when buying healthcare insurance?

Healthcare insurance draws attention of many consumers due to its benefits. However, lacking of information or general knowledge can lead to losses. Payment procedures of healthcare insurance are still complicated and there are still legal risks because of lacking initiative information.

What risks that you take when buying healthcare insurance?

Requested a lot in usual

Not many requests for those who buy low compensation healthcare insurance or rarely use insurance. In the other hand, those who use healthcare insurance regularly for medical checkup are watched carefully by insurance companies.

In reality, the speed of handling compensation, the flexibility in solving errors in compensation procedure are what the consumers face. Insurance company is supposed that its consumers expect too high when buying healthcare insurance. Meanwhile, the customers are supposed that insurance company usually asks for new requests.

Insurance specialists share that a set of documents requesting treatment payment is very complex. In many cases, everything listed in prescription is paid but in other cases, something is seen as assistant drugs so cannot be paid.

No ways to know what happens next

Those who use healthcare insurance in many years share a common assumption: if they use their healthcare insurance regularly this year, it is definitely to face difficulties in signing new contract next year. It is usual that premium of healthcare insurance in the following year is higher than the old one and the insurance providers also bring more difficult conditions or even refuse to sign the new contract. This is verified by some insurance companies.

Generally speaking, before signing healthcare insurance contract, the customers should consider the relevant regulations carefully. If you find specific regulations difficult to understand, you should ask the insurance providers to explain or clarify. There was a case that customer accused the insurance company of blowing off responsibilities  when the insured baby was suddenly found milk allergy and forced to use high-priced specialized product. The insurance company asked the customer to sign plus contract which had a regulation that they did not pay for digestive diseases including milk allergy.