Health insurance is a documented assurance given by insurance companies to people who are willing to take it. Health insurance helps people by giving them financial aid in health-related problems. It serves as a great help when people meet an accident or some disease and now is hospitalized. Insurance companies are likely to have a link with certain hospitals who would do free treatment of the patient who has taken health insurance. Some companies do not have any connection with the hospital so they just fund the expenditure of the hospital.
Perks of health insurance
Health insurance covers all the expenditure from consultation fees, medical test, pre and post hospital stuff, even ambulance charges. You won’t have to give any amount during the time of your treatment and even 60 days prior to and after the incident. Depending upon the kind of insurance you have taken, you might also get options for free checkup of heath. You also get tax benefits as the premium that is paid on health insurance is deducted from the tax.
Health insurance on preexisting conditions-
Preexisting conditions are those conditions which the person has already acquired before getting health insurance. These conditions might include cancer, blood pressure or diabetes, etc. A very common question that occurs does health insurance covers conditions and disease that are preexisting. Yes, it does. No health insurance company can refuse to grant you insurance for your condition. Although they have a limited annual limit in your premium. Pregnancy and child birth is also covered by health insurance companies.
The common benefits:
There are some of the best health insurance with maternity benefits which are provided to mother and child. Maternity benefits include the expenditure on child delivery, the vaccinations that the child will have in his initial one year, all the expenses from 30 days before they are hospitalized and 60 days after discharge. Child birth is quite expensive, maternity cover helps the parents financially during this period so that they can focus more on health rather than worry about money.
Health insurance is an essential part of life and it has preexisting coverage health insurance too. Although, before getting insurance do good research about it, see the policy duration, features and benefits. Based on your health condition you can decide the kind of insurance you want, standard or comprehensive.
