Today, health care costs (viable treatment) can be fairly expensive, so we just went to the doctor could be a few hundred thousand (depending on the disease and treatment that we choose), not to mention if you had to inpatient care in hospitals.
Especially for those whose income is not fixed (freelance, or self-employed) so ill might deplete savings, also for the employees who still have a variety of mortgage (mortgage, car payments, etc.) the extra spending is large enough to interfere with the payment of installment- these installments.
At times like this people usually begin to realize the importance of health insurance. Although sometimes the office provides health insurance (including family), often the number that can claim medical expenses are still not sufficient.
Today, despite many people started to realize insurance (including health insurance, which usually 'burn' after a period of time out), sometimes we still can go wrong buying insurance as well.
Here are tips carefully before buying insurance that we need to consider:
* Do not be tempted company based in luxurious locations, because it does not guarantee the quality of the company. Learn your company profile to know the company's financial reputation. How much Risk Base Capital (RBC) and which companies are the guarantors reinsurance.
* Note the reference service reputation through various parties, or visit the company's office directly.
* If the company uses a system of agency, select an agent who can explain the program well.
* Note the exception clause of the insured's illness. Make sure all the treaties agreed upon in writing, not verbal.
* Learn the plan (grade) are covered, what abiaya incurred, the maximum limit per occurrence, and annual limits. Understand the mechanism is also applicable, if you want to 'grade' hospitalization.
* Understand when the coverage becomes effective.
* Make sure you understand all the legal language in the policy. Upon receiving the policy, take time to fully understand the contents before signing.
Especially for those whose income is not fixed (freelance, or self-employed) so ill might deplete savings, also for the employees who still have a variety of mortgage (mortgage, car payments, etc.) the extra spending is large enough to interfere with the payment of installment- these installments.
At times like this people usually begin to realize the importance of health insurance. Although sometimes the office provides health insurance (including family), often the number that can claim medical expenses are still not sufficient.
Today, despite many people started to realize insurance (including health insurance, which usually 'burn' after a period of time out), sometimes we still can go wrong buying insurance as well.
Here are tips carefully before buying insurance that we need to consider:
* Do not be tempted company based in luxurious locations, because it does not guarantee the quality of the company. Learn your company profile to know the company's financial reputation. How much Risk Base Capital (RBC) and which companies are the guarantors reinsurance.
* Note the reference service reputation through various parties, or visit the company's office directly.
* If the company uses a system of agency, select an agent who can explain the program well.
* Note the exception clause of the insured's illness. Make sure all the treaties agreed upon in writing, not verbal.
* Learn the plan (grade) are covered, what abiaya incurred, the maximum limit per occurrence, and annual limits. Understand the mechanism is also applicable, if you want to 'grade' hospitalization.
* Understand when the coverage becomes effective.
* Make sure you understand all the legal language in the policy. Upon receiving the policy, take time to fully understand the contents before signing.
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