There are no compromises when it comes to our health. And when the time finally comes to provide yourself with health insurance, you need to do it wisely and thoughtfully. Let's take a look at what you should pay attention when choosing a health insurance policy to make the process as efficient and profitable as possible for you.
Recommendations are given by Maryna Zvarych, Head of Personal Insurance Sales at INGO
Before choosing a specific policy, it is important to decide on the medical facilities and doctors that are right for you. Some insurance companies may limit your choice of medical facilities, so make sure that the policy you choose allows you to receive services at the clinics and doctors of your choice.
Make sure that the health insurance policy covers not only doctor's consultations, but also medications, diagnostic procedures and other necessary medical services. It's also important to find out if there are any restrictions on the coverage of certain drugs or procedures. The most comprehensive coverage may even include treatment for critical illnesses such as cancer, diabetes, etc.
If inpatient treatment is covered, check which clinics you can get these services in and what the level of these clinics is. It is important that this level matches your expectations. Does your health deserve the best service or are lower-class clinics enough?
Be sure to pay attention to the deductible amount and the list of exclusions from the policy. The deductible amount determines your share of treatment costs that you will have to pay yourself before the insurance company begins to indemnify to you. It is also important to know what is not covered by the policy. It is normal for the insurance contract to contain certain exclusions. After all, if it covered absolutely all diseases, it would be incredibly expensive.
The reputation of insurance company is equally important. Before signing a contract, find out how many premiums the company collects and what level of indemnities it has. The higher both indicators are, the better. This means that many people and companies are already using the services of this company, and it pays for the medical services of its insured. It is also better to give preference to the insurance company that already has extensive and successful experience in health insurance.
Pay attention to how the company organizes medical care in case of illness. Check how many medical partners the insurance company has and whether it has its own contact center to provide advice and organize assistance.
Health insurance is an important part of our health and well-being. Choose a policy carefully, thoroughly studying the terms and conditions and limitations to be sure of your coverage. It is better to pay a relatively small amount of money for a policy today to have guaranteed medical care throughout the year.
