SINAI Urban Health Institute

Archive for the ‘Medical Insurance’ Category

‘Life is a bundle of surprises!’

Do not let the surprises shock you. Unforeseen emergencies crop up in life without any prior notice. So, it goes without saying that we need to prepare ourselves in advance to deal with such unexpected contingencies.

People across the globe are understanding the importance of shielding their lives with the protective shield of medical insurance. Various types of medical insurance policies are available for individuals, self-employed people, small businesses, big corporate houses and so on.

Opting for private medical insurance ensures flexibility and variety. You can choose a policy from a wide range of choices as per your financial and personal requirements.

The different types of individual medical insurance covers available are:

budget

standard

luxury

Private medical cover gives you the freedom and discretion to choose where, when and how you are treated in case of some medical problem. Some individual health insurance providers limit the choice to specified hospitals.

In the past, there was hardly any variety in the health insurance policies. However, things have changed in the past few years. Now, private health insurance providers keep the customer interests in focus. They have developed a few innovative products to cater to people with diverse medical cover needs.

These products are:

mix-and-match self choice products

self pay and high excess options

limited cover products.

Another advantage that you get by going for private medical insurance is that you can often add other insurances to it, such as health cash, critical illness, life, income protection, travel and dental.

Nowadays, two forms of underwriting is commonly used for applying to a health insurance policy:

moratorium

relatively simple

applicant needs to just sign to confirm that he/she understands the policy

full medical assessment

relatively complicated and time consuming

applicant needs to provide medical history depending on which the insurer may exclude or limit a condition/benefit

So, do not let unexpected twists and turns in life throw you in a disarray. Instead, prepare yourself for that intelligently and make life…a bed of roses!

International Medical Insurance

Travel can be a wonderful experience, provided you aren’t unfortunate enough to become ill or suffer an accident that is. If you travel outside your own country, and do not have adequate visitor’s medical insurance, it could turn out to be one of the biggest mistakes in your life. Not only could it end up costing as much as a condo, it may even put your health and wellbeing into serious jeopardy. Today, visitors insurance has never been so easy to find, or affordable. So why take the risk?

What‘s covered?

Policies can cover a range of types of treatment. Primarily, your concern should be whether consultations, urgent care or emergency treatment is included. Consultations refer to visiting a medical practitioner, usually, at a medical centre. Urgent care involves more serious conditions, like a fever, a bad cut or even a fracture.

Anything which needs medical attention quickly.  Emergency treatment means any medical condition considered life threatening or any illness which could cause permanent physical damage, if treatment was delayed. As would be the case with a heart attack, stroke or any serious accident.

Pre-Existing Conditions

Most insurance companies will not cover any medical expenses incurred, for any pre-existing medical conditions. This means, any illness or condition you are currently receiving medical treatment at home for. This would include pregnancy, angina, high blood pressure, even AIDS. It is important to be honest with the insurance company before taking out any policy.

If you don’t tell them about a condition, they will find out, in the event of any claim being made. You will only be getting yourself into hot water, and, you never know, your particular type of illness may not be excluded. Every insurance company will have different exclusions in place.  When it comes to providing them with the necessary information, honesty is definitely the best policy. Often, it’s simply a matter of shopping around.

Who’s Covered?

A medical examination is not normally required by most insurance companies. Just about anyone can get some kind of personal visitor’s medical insurance. It is also possible to take out a policy for more than one person and some companies do offer ‘family policies’. A perfect solution for couples with young children.

Usually only one passport number will be required. Don’t worry that other members might not be covered, simply because the company only has one passport number. This is normal procedure for many companies. Usually, the only form of identification needed is a passport, although companies can vary.

Checking Your Policy

If you have made a mistake, the company does not have the correct details stated within the policy or you do not have the correct cover, you must contact them immediately. They can arrange for the necessary changes to be made.  If you choose to buy insurance online, a confirmation email is usually sent straight away. This will include all the important details.

Check it carefully, if there are any mistakes, now’s the time to let the company know. If everything is in order, keep a copy safe, and a hardcopy is always a good backup to have. Your visitor’s medical insurance card should be in the mail soon afterwards.  This will also have important details on it and should be kept in a safe place on your travels. It could turn out to be as essential as your passport.

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