Health Insurance: Keeping You Covered

2007-03-08 10:33:40

( Health )



Health insurance is a service institutionalized in modern societies. It is a type of insurance wherein the company providing the health insurance service pays for the medical treatment of the insured in cases of illness or accident. The insurance provider can be the government or may be provided by private companies.

Depending on the type of coverage you purchase, health insurance benefits extend to hospitalization, medications, therapy, and other para-medical services that your health condition warrants.

TEMPORARY AND INTERNATIONAL

Because it takes time to process and for health insurance coverage to take effect, it is advisable that you avail of a temporary health insurance while you wait for full coverage. This way, you have some peace of mind that you are covered in cases of emergencies.

For diplomats or expatriates working in other countries, purchasing a good health insurance can be a headache because more often, your policy is not recognized in the country where you are. A medical emergency can be a real nightmare in this situation. Health insurance companies saw the potential for this, and are now offering international health insurance, specifically for expats and frequent travelers.

International health insurance is one that is recognized and accepted internationally. This type of health insurance not just offers basic health coverage, but an entire package of benefits especially designed to meet the unique needs of expatriates and their families.

HEALTH CONTEXTS

When you are taking out a health insurance, be aware of the type and the extent of coverage that they are extending and put it in the context of you and your family’s health condition. Some health insurance products have limits on coverage, depending on the type of illness you are stricken with. There are even some health insurance providers that will not cover pre-existing conditions.

Make sure you know your medical situation and take out a health insurance package that best safeguards you and your loved ones' well-being.


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