How Private Health Insurance Helps During Crisis
Insurance coverage is a requisite for all. Reduction in health care expenditure and simplifying the system of health care are of utmost importance in today’s world. The major threat to an individual is the lack of a proper health insurance and the uncertainty of being affected by a serious ailment thus incurring the risk of having to deal with an astronomical financial loss. Private health insurance has been a blessing for those who prefer personalized care and treatment in times of severe health crisis. It is essential to select well, especially when health is of concern.
Individual And Family Coverage
Private health insurance essentially covers six categories of memberships which cater to individuals who are single and to various family groups ranging from couples, families, single parent families, single parent extension families, family extensions to only the children. Some policies require birth relations or in-relationship families for covering the individuals under one single policy.
Any unmarried individual under the age group of 18 is considered as a dependant whilst some policies might consider individuals within the age group of 18 to 24 as dependants given that certain specific criteria are met. Under these specifically mentioned circumstances, health insurance cover can be continued without any premium changes to existing policies.
Private health insurance stands apart in what the policies offer to cover. Any individual or families covered under the policy might opt to be treated as a private patient in any public or private hospitals and can also select their preferred physicians as well as decide on the type of hospital to be admitted in with which their preferred physician is associated. The covered patients can also opt for the timing of hospital admission.
Majority of dental examinations and their treatments, physiotherapy, occupational and speech therapy, chiropractic and psychology services, acupuncture, glasses and contact lenses, hearing aids and other medical appliances and home nursing are all covered under the insurance based on the policy opted for.
Classification Based On Type
On a broader aspect, private health insurance can be classified as hospital cover and general treatment cover. Hospital policies cover the expenses incurred while undergoing any treatment in the hospitals from accommodation to theatre charges to elective cosmetic surgery charges to laser eye surgery charges are all covered based on the type of policy opted by an individual or family.
General treatment policy, which is also widely known as ancillary or extras cover, takes care of additional services like physiotherapy, dental treatments, optical services and the likes. General treatment policies can either be clubbed with hospital policies or taken separately. Insurance coverage should be always opted post a well-researched comparison between a wide array of assorted policies based on personal requisites.
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