Having a health insurance is one of the most important things that you need to do. This should not be taken lightly because god forbid you need an emergency surgery or medical help, without a health insurance the process could be extremely expensive. Here are a few things that you need to know about health insurance plans, and everything related to health insurance before you plan to get one for yourself and your family –

Health problems need to be mentioned
You cannot avoid your actual health problems and diseases in the paperwork. This is one of the most important factors that will determine the type of health insurance cover that you can get. A lot of health insurance plans don’t cover diabetes, cancer and a lot of other diseases are not covered in the health insurance.

In fact, a lot of countries don’t even cover mental health problems such as anxiety, depression and even counselling or therapies. Be sure to check with your insurance agent to help you maneuver around all of these problems to get you the best cover. Health care price transparency is very important which will help you get the best cover so be sure to mention all your health problems.

Age is a huge factor
It is very important to take your age into consideration since your insurance cover can only go on for so many years. A lot of companies don’t have renewable policies as you get older so keep an eye out for those. Be sure to check with your insurance agent for the long-term maximum renewal policies that can be renewed till the time you turn 80+ years too.

There are very few insurance companies that provide such policies because older people have a lot of health concerns. The cost of echocardiogram and even the cost of colonoscopy needs to be included in such health care insurance plans and these tests are expensive. With ageing, these tests are done very often to monitor health problems so be sure to check for maximum renewal policies.

Cash-less payment process
The large-scale and more reputed companies have a cashless payment process wherein you don’t have to pay any hard cash to the hospital at the time of discharge. All the payments are cleared directly with the insurance company itself. This will help you save a lot of time and effort and you also don’t need to arrange hard cash last minute.

Be sure to check with your insurer about this process because multiple tests like PET scan cost in Miami, MRI, admission fees, etc. are extremely expensive and its best if they are cleared through a cashless method. Along with this, you can also check for the countries and cities where the cashless process is available.

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