When you hire health insurance, what you want is that this has as much coverage as possible. Ideally, in this regard, have health insurance without exclusions, that is, a policy that covered any type of illness or ailment, as well as all the treatments and evidence that may be necessary at any given time.
However, most health insurance involves exclusions. Exclusions are, in this sense, those pathologies, treatments or diagnostic tests that would not be covered by insurance. Such exclusions must come, in any case, specifically reviewed under the general conditions of the policy. In such assumptions, the affected itself would be the one who would have to assume the expenses derived from them, since these would not be covered by health insurance.
What is health insurance without exclusions?
Medical insurance without exclusions would be one that guarantees you coverage for all diseases, injuries and ailments that you may suffer, whatever its nature and the time they are presented. Likewise, this type of policy would cover any type of treatment, service or diagnostic test to which you should submit.
Needless to say, it is about the most complete mode of health insurance that you can hire, since in it you would not assume any kind of medical or health expenditure as assured. Click here for american continental insurance company
Important exclusions of health insurance
Each insurance company can establish its own list of exclusions. However, among the most usual they would be the following:
Diseases and injuries are the direct consequences of the practice of risk sports.
Injuries or pathologies derived from accidents suffered because of the insured’s own negligence.
Surgical, therapeutic or diagnostic procedures whose efficiency is not duly accredited in usual medical practice, that is, all those who do not really guarantee the cure or effective treatment of the disease.
The identities of aesthetic type.
The treatments related to the so-called alternative medicines, such as those based on acupuncture, homeopathy, hydrotherapy, mesotherapy, and other techniques of this type.
Surgery for the correction of view problems such as myopia, hyperopia, or astigmatism.
The pharmacological products that the insured must take, except those who are managed during the periods of hospitalization.
Does insurance cover pre-existing diseases?
Pre-existing diseases are all those pathologies or injuries that the insured suffers prior to the formalization of the medical policy. These diseases should communicate to your company so that this can assess the risk of its coverage. Do not do so could bring you serious consequences, to the point that the company could annul the policy for painful information concealment. As a general rule, medical insurance does not cover pre-existing diseases, except in point cases.
Therefore, in practice, it is difficult, although not impossible, to hire health insurance without pre-existing, since the insurance company assumes a high risk with this type of policy. Easier is to hire insurance that covers certain pre-existing diseases, as long as these had been properly declared in the medical questionnaire and that its treatment does not involve an expense that exceeds the parameters that each insurer fixes in this regard. Another option that consents some insurance companies is the hiring of insurance for pre-existing diseases that had not been diagnosed prior to the signature of the policy.
Hire health insurance
Although we have already seen the difficulty of hiring medical insurance without exclusions and without pre-existing, the formalization of a health policy is always highly recommended. Among other advantages, hiring health insurance will avoid long lists waiting for public health, and will provide you with fast and quality medical-health care. Private medical assistance also offers an extensive list of reputable facultative and hospital centers that will guarantee your tranquility and that of yours in health matters.
In any case, when hiring your health insurance, we recommend that you previously carry out an exhaustive comparison of the available policies. This will allow you to choose the option that best suits your needs, expectations and budget. To make this comparison, we advise you to use the effective Insurance Comparator from Doctori.com. The doctor comparator I is very fast, efficient and easy to use. In just a few minutes you will have a full list of private health insurance market by the main insurer entities, with which you can opt for that Policy that is more in accordance with your interests.
