Today, healthcare costs (a viable treatment) can be fairly expensive, so we went to the doctor can be several hundred thousand (depending on the disease and treatment that we choose), not to mention that to be in a hospital inpatient.
Especially for those whose income is not fixed (freelance, or self-employed) very ill might deplete savings, as well as for the employees who still have a variety of mortgage (mortgage, car payments, etc.) extra spending big enough to interfere with the payment of installments, installments.
In times like this are usually people start to realize the importance of health insurance. Although at times the office provides health insurance (including family), often amounts to the claim is still insufficient medical expenses.
Today though it was a lot of people are becoming aware of insurance (including health insurance, which is usually 'burn' after a period of time out), sometimes we can still buy insurance also wrong.
Here are tips carefully before buying insurance that we need to consider:
Do not be tempted company based in a luxury location, because it does not guarantee the quality of the company. Learn the company profile to find out the company's financial reputation. How much of Risk Base Capital (RBC) and which companies are the guarantors of reinsurance.
Consider the reputation of the service by reference to various parties, or visit the company's office directly.
If the company uses a system of agency, select an agent who can explain the program well.
Note that the insured's illness exclusion clause. Make sure all the treaties agreed upon in writing, not orally.
Learn the plan (grade) are covered, what abiaya incurred, the maximum limit per occurrence, and annual limits. Understand the mechanisms are applicable, if it is to 'grade' hospitalization.
Understand when the coverage becomes effective.
Make sure you understand all the legal language in the policy. Upon receiving the policy, take time to fully understand the contents before signing.