In every situation, the insurance company does not have to bear the cost of your treatment. There are some points where insurance companies are not obligated to bear the cost of treatment.
During the Corona period, people are now getting more and more health insurance. So that any problem related to health can be easily treated. But in every situation the insurance company does not have to bear the cost of your treatment. There are some points where insurance companies are not obligated to bear the cost of treatment. And before taking any health insurance or policy, it is very important to know those things. If you have recently taken a health policy or are thinking about taking an insurance policy, then know these special things first.
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Can not make a waiting period,
a certain period is fixed by the insurance companies for the initial period of time after taking a claim policy. In which no policy holder can claim for expenses under any circumstances. This period is known as waiting period. This period can be up to 1 month or 3 months. This simply means that if you have bought a policy today, then you cannot claim under that policy till the waiting period.
These rules are there
if these diseases are already there, if your body is already home to many diseases and you have recently taken or are going to take health insurance then there is no need to panic because even if the insurance companies are already sick Cover them but the screw is that for this you can cover only after 36 to 48 months. That is, some companies have a waiting period of 36 months for this and some for 48 months. This means that you have to wait a long time for this facility. In such a situation, if your health declines in between, then you will have to bear the cost of the hospital yourself.
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There is a rule to remain admissible for 24 hours,
if you want to claim under health insurance, then it is necessary that you have been admitted for at least 24 hours in the hospital. That is, if you are ill, you will have to stay in the hospital for 1 day. Only after submitting its documents, you can claim the amount from the insurance company.
The meaning of Pay option to Pay (Co Pay) is obvious. Which means a share in spending. This option is also available while taking health insurance. This means that if someone’s health deteriorates, then the hospital expenses are borne by the insurance companies as well as the person holding the insurance. Suppose the insurance company will give 90 percent of the total expenses in the hospital, while the 10 percent will have to be given to the purchaser of the policy. But since you do not get much discount in this, this option may cost you dearly.
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