Increase Your Medical Insurance Benefits By Avoiding Policies With Exclusions

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In general, the quality of an insurance policy is determined by way of claim settlements and customer service

. Many a times, we have encountered situations in our family and away, where a medical health insurance claim was not reimbursed promptly for the reason that it is not covered in the policy taken. Such a situation arises due to our negligence while reading the policy exclusion section at the time of insurance purchase. This often leaves policy owners panicky, ultimately ensuing in financial distress.

To avoid such a situation, it is necessary for health policy holders to understand what policy exclusion is all about. Once they are aware of these critical facts, they can compare it with other health insurance providers and check which would better suit them. By doing this comparison and analysis before purchase, you procure the right medical insurance for yourself and your loved ones. Some of the common treatments that are included in the exclusion clause of a medical health insurance are diseases acquired within 30 days of the policy taken, Dental treatments and cosmetic surgeries, HIV, sexual problems, reproductive medicine, eyesight, congenital diseases, pre-existing illnesses, etc. However, existing diseases are covered wholly by the insurance company after a period of 24 to 48 months depending on the illness type. Apart from these, treatments undertaken at natural cure centres, wellness centres, treatment in a foreign country are excluded in most medical insurance policies. Abortion and war related health issues are strictly avoided for the claims as well.

Many insurance companies do not reimburse day care costs. But, there are insurers who offer policies with some relaxations that include maternity expenses, day care procedures, and organ donor expenses. Consider all these worthy points before taking up medical insurance for your family. One other important fact to be noted here is that you should document everything as these are long-term investments. Neglecting the critical facts at the time of purchase may result in situations where you feel cheated due to your negligence. While facing a health issue financial support is important, and not having one can be disastrous. So, opt for the best medical insurance and handle medical emergencies with complete ease.

by: Cruse Loyle

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