The contracting of health insurance must be done with some care. Currently, many people turn to private hospitals to take care of their health. These, although faster in response, when compared to public services, also entail expenses. Thus, it is particularly relevant that health insurance can cover part of the cost. Therefore, when contracting health insurance, you should be very careful, as it is very easy to miss important information. In this article, we’ll explore some common mistakes associated with health insurance and find out how to avoid them. Also read: Insurance guide: What you need to know to protect yourself
Not confirming coverage details
Not checking coverage details can lead to surprises in the future. Soon, you should always carefully read all clauses and details to ensure that you are choosing the best solution for youri. In this segment, the offer varies a lot, some are more comprehensive in coverage, and others are a little more restrictive. For example, some health insurances cover consultations and exams, others, more basic, only cover consultations. So, It is important to understand what your needs are before contracting. You often choose a certain coverage and then when you go to use it you discover that you have to pay in full, as the specialty you went to is not included. On the other hand, you should also do the reverse work if you are already followed by a particular doctor. For example, imagine that you want to change insurance, but you are followed in a clinic with a specific doctor and you do not want to change. So, before contracting a new insurance, check if your doctor has an agreement with the insurance company you want to change to. Also read: What are the differences between a health insurance and a health plan? very important to think about the future when it comes to health. We usually think that since we are healthy as a young person, we just need basic coverage. However, if something happens later on, you may not be prepared for the extra expenses. One basic health insurance, as a general rule, only covers a limited number of consultations and examinations, and has a low ceiling for hospitalizations. So, if you need to stay in hospital for a long time or have several exams, without the proper coverage, you will have to bear all the expenses. Also read: Health insurance for the birth of a child: what to consider?
Not fully understanding costs
Not understanding the associated costs in full can also prove to be a problem. Make sure you read all the exceptions to the clauses and, in case of doubt, you should ask the insurer for clarification. Another situation to be aware of concerns the deductibles. This is, the part of the costs borne by the policyholder. Health insurance with a deductible, as a general rule, has lower and appealing monthly values. However, you should bear in mind that the expenses are not fully covered and you will have to bear part of the costs. Also read: 5 things you should consider before hiring health insurance
Only use the health insurance offered by the company
At the moment, many companies offer health insurance as an extra-salary benefit to permanent employees. If this is your case, try to find out about the type of coverage you are entitled to. Often, these insurances are the most basic option, which may not be enough for you. On the other hand, you may prefer better insurance than the one offered and want to contract one or extend what you already have. Also read: Health and Work Accident Insurance: Coverages and Differences
Not looking for different options
Choosing a Health Insurance should not be rushed. not always the first option is the best. When it comes to your Health Insurance, you should look for several options. Run simulations online, contact several insurers directly or use insurance intermediaries who do the work for you. The important thing is compare the different options so that your choice is the one that best meets your needs.Also read: Home health support: What services are there and how do they work?
hide medical data
This point is not common to all insurers. Currently, there are many that do not ask for a medical history to be able to proceed with the contract. However, some still do. In this case, try not to hide any relevant facts, as a refund may be denied for this reason. Insurers usually take precautions for these situations and there are clauses that protect them. So don’t be afraid to share your entire medical history. You may end up contracting a more expensive option, but it will pay off in the future.
Waiting too long to invest in Health Insurance
Thinking that we only need health care when we are older is a mistake.. Health problems, chronic illnesses, or even accidents can happen unexpectedly. If faced with a situation like this you do not have insurance, you may not be able to have specialized support and will have to bear all the expenses. Thus, you will have to use your savings and give them a destination that would not be expected. Also read: Insurance or health card? What to consider before deciding