Conditions vary from company to company and from policy to policy, it is of utmost importance, before entering the healthcare policy, deciding against such adverse circumstances and make sure we really understand the meaning of the conditions we’re going to sign.

Here Introduce a non-exhaustive list of the main conditions that can be subscribed reimbursable by any insurance company:

- Reimbursement of visits and diagnostic tests high in case of serious illness, even without hospitalization;

- Partial reimbursement of medical expenses incurred when the patient decides not to rely on discounted health facility directly with the insurance disbursement will be zero only for hospitalization or surgery directly affiliated structures. In this case the insurance will pay directly any expenses without limit;

- Reimbursement of medical expenses incurred in case of major surgery, provided that this is listed in the policy conditions. The list of major surgery is not exhaustive because the field is subject to constant updates, so the refund will be admitted for operations not specifically listed, but analog to other eligible reimbursement. The major interventions include expenses for medical examinations and tests carried out before and after the intervention (the timing is always in the conditions of insurance). May include fees for hospitalization, treatments, examinations and medicines used during hospitalization, the fees of the surgeon and team, operating room costs, including materials, medicines, prostheses inside the physiotherapy treatment and cures required intervention;

- Reimbursement for plastic surgery, cosmetic and reconstructive dental, unless resulting from an accident or malignancy;

- Reimbursement of legal expenses in case you need to assert their rights in court against those who caused harm (including medical or health facilities);

- Reimbursement of expenditures for specific assistance, as the return of health, the journey of a family member to assist the injured, repatriation of remains;

- Full refund within the contracted facilities, the costs for in-depth clinical and diagnostic tests;

- Reimbursement of expenses for childbirth, either natural or Caesarean section, and for the protection of the newborn through insurance coverage for a period to be decided upon conclusion of the insurance;

- Reimbursement for the treatment performed for periodontal disease and dental care resulting from an accident involving hospitalization for surgery.

And ‘useless to repeat that more condition included in health insurance more costly will be the premium payable.

Having health insurance makes it possible to obtain partial or full refund on the cost of medical visits, examinations, medical care, specialist visits at private facilities or any treatment to cure. Of course, the reimbursement depends on the policy stipulated and conditions, but can get by paying the annual premium refunds, even partial, is still a big advantage for themselves and not only, in fact often the insurance cover for medical expenses the entire household. This permits the use of reimbursement for costs of visits or medical treatment even if they are to benefit the family dell’intestatario health insurance, without having more then conclude separate policies.

Some health insurers are also suitable for various interventions including prevention of diseases can then be offered the possibility of carrying out preventive regularly at no or low cost, a simple blood test yearly for a check-up more complete schedule established by age and sex of the insured, so if a man over 35 is provided with preventive screening every two years for a woman over 20 years or a man over 45, may be offered a medical year. In health insurance are sometimes also includes vaccinations for seasonal influences, except those for travel abroad.

Among the various possibilities for families where there are children and young people, health insurance may offer particular advantages for dental care for children under 18 years, primarily for treatment with dental appliances. Added to this is also coverage for older adults where they are no refunds for any crowns and dentures.

Do not forget that today the majority of health insurance cover the cost of medicines and related medicinal materials, in addition to therapeutic media such as data from hearing aids, crutches or wheelchair use.

The different health plans offered by health insurance policies offer particularly individual or family basis starting from the classical reimbursement for medical expenses, which may also cover any hospitalization, health insurance until more details such as specific plans for psychotherapeutic treatment.

Health insurance allows you to “peace of mind” in the unlikely event of having to resort to surgery and hospitalization, for example after accidents, within the limits set by the policy choice costs such as anesthesia, surgical and operating room charges are usually covered by the base. Going into detail we can find health insurance dedicated to specific surgical procedures, or you can also opt for a policy of offering a per diem amount for each day of illness.

In the act of securing an insurance contractor is required to news about his state of health, through the establishment of a health questionnaire at the end is entirely part of the policy contract. The questionnaire must be completed with precision and accuracy to gain acceptance by the insurance company that, if there are a few clarifications or omissions attributable to want to hide health problems, may decline even before the application for insurance.

In particular, this is usually shortly after signing with the signature of health insurance, a defined period of “deficiency” that is demanded by insurance companies to protect, a person may plead not sick knowing this and undertake to sign a bill just before to be hospitalized.

A particular report that is naturally more years are more likely to have health problems and why the premiums for health insurance for an elderly cost more, you can even find companies that do not offer insurance to over 70 years. Always on the exclusions in the policy, in general, costs are not covered for illnesses from alcoholism and drug addiction as well as specific interventions such as cosmetic surgery. Increasingly, companies are now offering the insured a list of nursing homes contracted to help you make your care not required in this case even anticipate the costs of benefits of which will pay directly for insurance. If you opt instead to obtain benefits not affiliated with nursing homes, you should anticipate spending and then submit the invoice to the insurance company for reimbursement. This procedure also applies to other surveys carried out at specialist clinics personal choice. The cost will be reimbursed only by submitting the spending bill and any documents required.

Among the various possibilities of health insurance can cover hours of day or periods, this is the case for example of insurance-related work, which can then cover the insured only for hours. Another similar case is that travel health insurance to be activated before leaving, perhaps for export, thus opting for a policy that covers expenses for illness or injury on site, as well as provide support for any ambulance , need for urgent return for a sudden family bereavement or more incidents of travel, even in this case insurance policies offered in the market today are different and often the age of maximum coverage of the contractor has higher than normal health insurance.

Now preparing a trip at a travel agency can request and enable fast and convenient health insurance travel directly where you buy your ticket for departure, so you may enjoy a cheaper premium.

It follows then that the possibilities are many insurance companies now cover almost all eventualities and disease and injury in different fields, given the importance of regular and valuable support for health care have health insurance in a basic plan is beneficial ; the eventuality of a little incident with the conventions referred to nursing homes and how to direct payment by the company is a system that allows the insured to enjoy more peace of checks and visits to specialists not worry about the payment of ‘ medical care they need.

Today in fact the request el’iter bureaucracy to get the direct payment is made simple by insurance, are often settled with a phone call directly to a specific number of the company, which just a few personal communication.

Among the many bills there are available specific to offer insurance coverage during travel. For those who love to travel, and is found to make several significant shifts during the year, subscribed to a travel health insurance is practically mandatory as well as recommended and useful.

Take trips, especially abroad, has a number of risks and stipulate a specific health insurance can cover the costs of medical care in case of accident or sudden illness, as well as protect themselves on the increasingly frequent setbacks on the same travel and transportation baggage. The travel health insurance provides coverage even permanently abroad, and reimbursement of all costs for health benefits, such as simple dressings and medicines for specific diseases or accidents incurred during the trip and stay in the resort.

In the proposed policy are considered different variants based on country, city, destination-specific travel and some destinations are considered to be more dangerous or more are at risk and therefore the insurance companies to keep them a higher premium costs. Going to travel health insurance offered many insured collateral, such as that of a full refund of expenditure in case of trip cancellation or as regards tickets for air or rail to be.

There is also the possibility of extending the guarantee of civil liability for such coverage for any damage that you may provide to a third party is the place to be during the course of foreign travel. The public liability policy may also add coverage for any legal costs related to its protection for damages to third parties.

It can therefore see how in medical insurance for foreign travel opportunities and protection of areas of application are different, and therefore the cost of the premium will increase the greater the coverage, for example, the premium will increase if the bill includes a protection for sports, even if more extreme, which will take place at the end of the journey. More cases and details of security are also targeted to cover those unexpected early return to health problems or even cause catastrophic events and natural disasters.

Travel health insurance is a particular field of health insurance is almost always proposed, though not mandatory, by travel companies to their customers, to live more peacefully opportunity for recreation and fun. The basis for this type of policy is the basis of health insurance which we use for all of us now have a refund on medical expenses and any specialist visits, a very effective coverage that is offered today by insurance companies increasingly whole household of the insured.

Many people tend to overlook buying travel medical insurance, because I do not think it necessary or important. However, while you are away on a trip anything can happen. For example, you may become ill due to a virus or because of what you eat, you can also meet with an accident or get injured. A travel medical insurance will help in these cases and pay for the treatment and stay in a hospital.

If you are planning to buy a travel medical insurance, make sure you take a couple of things into consideration. First of all check this health insurance. Many times your main health insurance may cover travel expenses. You should also take into account the duration of your trip. If the journey is long, it is better to go for extended coverage. Be sure to check your travel health insurance because many policies cover different medical issues. However, most travel health insurance policy covers the following:

* Medical and hospital costs
* Dental Emergencies
* 24 hour emergency medical care
* Accidental death
* The emergency evacuation

However, it is certain much of what you’re looking for before buying a travel health insurance. If you have doubts, you can discuss with your travel agent from whom you booked your trip. Your agent is also the person who will be your journey to buy health insurance.

Going to a country outside the European Union, Switzerland, the European Economic Area health card (also referred to as the European Health Insurance Card) is usually sufficient to obtain health care like the residents in the country in question and then free of charge unless the cost of any partnerships (ticket) provided in some states. The speech is similar to countries in which it was concluded a bilateral agreement with the Italian, a comprehensive and updated list check the website of the Ministry of Health.

Going to different countries (for example, is the emblematic case of the United States, where the rates for health care are actually higher) or still wanting to rely on private insurance you can contact one of the many companies that offer custom packages on the basis of who makes the trip duration, destination,

For more coverage is to pay a higher premium. It ‘worth remembering, however, that there are exclusions that relate to certain types of patients and different diseases that can not be sure. Usually these are patients with psychiatric problems, problems with drugs or AIDS, or patients who want to undergo cosmetic procedures (with appropriate exceptions).

With medical bills can then make sure to cover any costs arising from health problems and the person in general, addressing more serenely the costs of hospitalization, analysis specialist, health care and home health, etc..
It all depends on the type of medical insurance that you intend to enter into, the terms that you decide to sign and that will pay the premium.

In Italy, since 1978 is in force the National Health Service which guarantees all citizens access to diagnosis and treatment in public facilities or contracts. The system keeps a share of the taxes that citizens pay to the State, with additional participation by the sick, that ticket.

Unfortunately, the system can not support the weight of the entire Italian health care and some private companies offer this integration to citizens, sometimes alternative, the National Health Service. With a regular premium to be paid to the company, this fact shall bear the burden to repay some or all of the costs incurred for medical expenses and private medical services.

The health insurance policies differ broadly in policies and indemnity insurance policies to a refund.
Health insurance provides a daily indemnity in case of treatment in health facilities.

The health insurance reimbursement guarantees just the reimbursement of expenses incurred for treatment, diagnosis and hospitalization. In cases where the health facility where you do the treatment has a convention with the assurance, that the patient pays the fees, otherwise the patient will anticipate the payment of fees and bills and will be reimbursed successively, following the submission of documentation of expenses incurred.

It ‘important to know that the health insurance contract not part of the day on which it is signed. There exists an initial period where coverage is suspended. Would not it make sense for a company already provide a certain event, for example the case of medical services for childbirth to a woman already pregnant at the time of conclusion of the policy or the case of daily per diem allowances for illness for a person already suffering from same disease.

You have invested their life savings for the next trip to the U.S., then your hairdresser 3 days before departure tells you what is a trivial cost to the leg cast with her friend, who just months before had been just in the U.S. , “Watch that U.S. healthcare is very dear! You absolutely health insurance before you leave! “

Often to achieve efficient and comprehensive health care coverage is not enough free national and must pay directly for medical costs, with serious repercussions on the family budget.

That’s why insurance companies offer various medical insurance policies to support the insured in case of expensive medical care in case of need for specialized facilities and skilled medical care and specific services.

It ‘can in fact receive compensation or per diem for each day of hospitalization, and outpatient surgery (including outpatient), and in case of injury, also caused by negligence, illness, childbirth or medical abortion.

In most medical policies is also provided the opportunity to choose the health facility (private or public) medical el’equipe which go in case of medical need.

The per diem allowance replacement may look like, if you use the NHS or as a supplement to public service, with the possibility of access without charge to the diagnosis and provide extra shelter in private, usually not covered by the NHS. Some insurance coverage, following accidents or illness, offer the possibility to undergo major surgery.

The intervention should, however, be listed in detail in terms of insurance at this time you can get compensation for medical expenses incurred on the findings even before hospitalization, up to a maximum period established in the bill.

It ‘can request additional insurance clauses:

- To extend the payment to the period of convalescence and private nursing care;

- To cover the expenses of one accompanying person;

- To ensure that the allowance be increased in case of prolonged hospitalization, severe or uncomfortable;

- To obtain compensation for admission as an organ donor;

- To receive the double indemnity in case of hospitalization for cancer diseases, intensive care or shelters abroad;

- To expand insurance coverage for physical therapy and spa treatments.

It ‘goes without saying that most terms and conditions are added to health insurance, plus the ultimate prize will be costly for the insured.

However, governments in several States are to ensure that their set of rules so that insurance companies in states that do not have good health insurance can be taken with the best members. One way that legislators are looking for is to limit insurance companies’ ability to cancel health policies for consumers, who pay for their own insurance.

Many Member States are known to cancel policies and denying claims due to some excuse or another. Buy individual health insurance is quickly becoming a standard, as more and more people are self-employed or have no coverage at work. It is estimated that the United States, there are more than 18 million people who choose to purchase health insurance individually.

Individual health insurance needs of people for many years worth of medical information and many insurance companies in the various States use this information to decide how much they should charge. If the applicant resides or inadvertently omitted information on an application, most states allow insurers to revoke the policy. This can happen within 2 years of grant. If this happens, people must pay for all the previous medical care which was previously paid by the insurance company.

However, many insurance companies in several Member States have been taken to court for canceling policies so the state legislators are now taking action to quell it. New Mexico, California, Connecticut, and few states that have passed legislatures to help people so that Member States may be the best for health insurance.

In general, health products including: Health Insurance and Health Benefits. Both products have a very fundamental difference.

Health insurance will provide reimbursement based on the receipt of medical bills, according to plan health insurance policy benefits. Cross Health Insurance Benefit can be done is to do more than one claim with the insurance company for the difference or the rest by using a copy of the file that has been legalized by the previous insurance.

Health Benefit will provide reimbursement based on the planned size of the contract per each of the inpatient inapnya. Health Benefits of this can be done Double Benefit, which is double the claim to more than one insurance company to benefit as a whole, respectively. This may be a substitute for compensation of lost income per day due to risk of hospitalization.