Common misunderstandings about health insurance

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Common-misunderstandings-about-health-insurance

Many people have a bad impression of health insurance, due to lack of information or misunderstandings about regulations and benefits.

Healthy children don’t need health insurance

Health insurance is a financial protection solution when you are sick, unexpected accidents need medical care and treatment. Do not be subjective when you think that you are young and healthy, you do not need health insurance. By hundreds of risks and dangerous pathologies such as diabetes, cardiovascular disease, kidney failure, cancer… There is an increasing trend of rejuvenation, which can suddenly come to you and your family at any time.

Low payment limit

Health insurance not paying at the rate of 70% off-line, 100% on the right line, 0% of service examination … Like health insurance. Instead, health insurance benefits are covered at actual costs depending on the option limit. For example, the rate of 500$ a day in the inpatient hospital, 1500$ for medical examination a year … You can be covered for most or all of the cost of medical examination, VIP room, medical treatment in public and international hospitals, at home and abroad.

The fee for health insurance participation is from 500$ per year. Meanwhile, the payment is quite high, even in many cases, you also receive preoperative support, home medical care 30 days after discharge from the hospital. If the patient is treated for cancer or needs an organ transplant with high medical costs, expensive medicines, the level of support can be up to 100.000$.

Complex claims procedure

Common misunderstandings about health insurance 1

In fact, asking an insurance company to cover medical care benefits is simple, not as complicated as many people fear. If the hospital you are treating is in a medical facility system in partnership with your insurance company, you can also use hospital fee guarantee services. At that time, the insurance company will pay directly with the hospital on your behalf, helping you to be assured of treatment and use medical care at more than 170 medical facilities in US and 60 addresses abroad.

In case you pay the hospital fee in advance with the hospital, it is necessary to collect all medical documents, financial bills … to make a claim later. The procedures are quite simple and fast. You can ask the insurance consultant to come home to get a record, or go to the insurance company’s transaction office near your home for guidance.

Only available at the right hospital.

Packages health insurance applicable in many public and private medical facilities, domestic and international with limits depending on the choice, regardless of right or left gland. Therefore, if you want to experience international standard services at private hospitals, or go abroad for medical treatment when necessary, then health insurance is the right choice.