You know I mean all deductibles and coverage in your policy? If you think a policy is like another, you may find when you need it checked out. Most companies provide coverage that is severely limited as a benefit, some will only cover one week of hospitalization.
Every day, new people and visit some question because I have a friend or acquaintance to which you ‘just’ your health insurance, so they have reviewed the policy through their work and usually the amount that was protected a range between $ 300,000 and $ 600,000 pesos. This may sound like a lot of money, but consider cases that I have witnessed personally:
CASE 1.
Cerebral Infarction (Stroke): This person suffered a stroke at home, when they found her and called emergency ambulance took her, there was surgery to relieve cranial pressure, do not regain consciousness and required a second brain surgery. The Health Insurance ran out that was available during the first operation and immediately all of the money the family had focused on trying to pay the second operation, while it began to negotiate for the patient to pass Social Security, with the problems of bureaucracy that results due to the high cost of the hospital.
Finally in emotional crisis, they negotiated the transition to the twenty-first century to perform the second operation by Social Security. Unfortunately it was achieved at the time, and the patient died.
CASE 2.
Cancerous Tumor: Due to chest pain, was examined and detected a shadow on the radiograph, which required a high level operation, which could not be done rather than in a hospital in Mexico City, by the team required. Unfortunately your health insurance did not cover the hospital, he was interned while to do and see in just over a week of treatment was over, and then to switch to Social Security. Attempt to treat the case is already in the insurance, but the patient did not survive.
These are real cases of people who had an emergency and thought they had this need ‘cover’. And they were in an unforeseen situation without the resources to cope. If we combine this that are benefits, which mean that if you leave your job at hand, after having a condition, no other insurer will cover the disorder, is a question for thought, since you literally play life.
If you do not know the extent of your company’s policies will be a good idea to see that protects you and no, and the scope thereof. If you are not satisfied there are some options to improve your coverage:
Excess Coverage: This is a policy that you separate contracts that will cover an amount that you choose in excess of your benefit, might or might not be available through your company and not all agents handle it.
Individual Policy: Hire your own individual policy. This is undoubtedly the most expensive option but the one that offers better benefits. Since you choose exactly what coverage you need and you have control over it. If your policy includes lifetime guaranteed renewal, you know it is going to be there for you when you need it.
GNP Connecting Policy: Responding to the need for greater coverage, this is a middle ground between the two options. Only offers GNP, and it is equal to the deductible amount of your business insurance, and that comes into play when you exhaust the sum insured for your benefit. And I guarantee that you can have an individual policy without further showing when you need it.
Tags: Health Insurance, Medical Insurance, Policy of health insurance, What do you know about your health insurance?
