Buy health insurance should pay attention to five key issues Insurance Tips

Category: Insurance tips Release Date: 2006-08-01

With the urban workers, the health care system reforms, introduced over 40 years of public health began to move out people's lives, replaced by a commercial health insurance. Commercial medical insurance go to the doctor not only to alleviate the financial burden, but also lifted the family health worries, as many consumers preferred to buy insurance when the insurance. However, consumers in the selection of health insurance, needed attention to five aspects.

Read the terms of insurance liability

Consumers to purchase insurance, we must carefully understand the scope of responsibility of insurance, because only occurred within the insurance liability insurance, accident insurance company will fulfill payment obligations. For example, insurance companies have provided health insurance for hospital, a wait and see period, waiting to see normally is 90 days from the effective date of the contract or 180 days, waiting to see the medical expenses that occurred during the period, the insurance company is not responsible for payment.

Tell the truth condition

In signing the insurance contract, should their current health status and previous medical history truthfully presented to insurance companies in order to determine whether to accept the insurance or insurance companies in order to cover what conditions. If the insured intentionally concealed the fact that the disease does not fulfill this duty faithfully, the insurance after the accident, the insurance company may not assume responsibility for payment or refund of premiums, the final loss was insured.

Documents are in order to sign

Checking whether the receipt of the policy should be accompanied by the following documents: the original policy; insurance policy; insurance official receipt; change the application; cash value table. The above-mentioned documents are served in the insurance policy before signing the book and fill in the date of resumption.

Hesitate to make it clear requirement

In order to fully protect the interests of the insured, the insurers in the insurance contract have a "hesitation period" requirement. In general, the customer within 10 days after receipt of the policy as "hesitation period" of time, policyholders can take advantage of this period the insurance on his own vote to make further in-depth consideration or make re-select. In the "hesitation period", the policyholders to the insurance companies the right to withdraw the insurance contract, but also in the "hesitation period" surrender, insurance companies should unconditionally return all the premiums paid by policy holders.

Note that the content of deductible provisions

As an additional risk of hospitalization medical insurance, is a form of compensatory insurance. Compensatory feature of insurance is based on actual expenditures for the insured to compensate, but the cost could not exceed the actual cost, so the insurers have provided for a deductible. If your medical expenses below the deductible, it can not be compensated. When your deductible medical expenses over after the payment of medical expenses is also a division of grades.

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How to avoid medical insurance claims disputes?

Claims disputes are usually often the case with the following categories: one, the customer does not truthfully informed, concealing past medical history; two in the insurance of insurance accident waiting to happen during the period and the resulting additional costs; 3, does not belong within the framework of insurance liability diseases caused by hospital medical expenses. To avoid the disputes should be started from the insured. First of all, when the insured should be honest and tell, followed by the right after the accident should be to determine whether liability insurance.