Health Insurance

Health insurance is a must in today’s scenario since the expenditure incurred in the hospital bills and medical bills are simply too expensive. Besides, emergencies never make appointments so why take the risk of facing such a calamity. Send us your queries and we will reply promptly to all. Below you can read the meaning of health insurance as well how to get the health coverage.
 

Meaning of Health Insurance

Health insurance covers not just the medical expenses but also the doctor’s and hospital’s cost. Some of the health insurance policies are meant for those who are physically challenged called the disability insurance. Thus such a policy helps them to get money even when they are unable to work. It is very important to get the right health insurance policy as they have their own benefits. Health insurance can be meant for an individual or a group of people for instance in a company. The group health insurance covers hospital expenses, surgery expenses as well as the medical bills. These policies are portrayed as huge benefit providers when in reality it is not so. Most of these policies offer a fee-for-service protection and they differ from the managed care plans. The managed care health plans include point-of-service plans, health maintenance organizations and the preferred provider organizations plans. The differences occur in what the policies cover. Some of them cover the prescription medicines and drugs whereas some policies do not. So it depends on the policy buyer that which kind of policy coverage he would prefer for himself.

What is the Health Coverage Offered?

There are mainly two kinds of health insurance policy coverage that you can get - one for an individual and one for the entire group of people. The group health insurance policy is taken by an employer for his employees and the premium is also paid by him to the insurance company. The premiums paid for a group health insurance is lower than the amount paid for the individual health insurance.

The expenses incurred in the group health coverage are either completely or partially borne by the employer. There are many advantages of this policy like on the enrollment of the employee for the coverage he will not be asked to prove that he is insurable or not. Also the amount of the premium is lower for this type of policy and hence it would be affordable for the employee to pay it if the employer pays only the partial amount of the policy premium. 

Individual health insurance policy is suitable for those who are not insured by their companies or who do not have a personal health insurance. Individual insurance plans can be changed according to your needs. But this requires a planned and careful shopping because individual policies need careful evaluation in terms of the benefits they provide and what part of the policy the buyer would need to pay. This is where we can help you by suggesting and helping you through the search process. We have a competent staff of customer support for this purpose. They provide the customer support services via internet and the phone. All you need to do is provide us with some basic details and we can provide you the best possible information regarding health insurance policies and the insurance companies that provide these policies.