Health insurance is a really important issue, but even more important is how to choose among all the health insurance companies available on the market. What are the criteria that will give us the answer to the question – which one will be my health insurance company?
Perhaps the first thing to consider about all the health insurance companies are the medical facilities the given company has contracts with. Whether these hospitals, hospices or polyclinics are close enough to your home, work or school? Will it be easy for to go there in case of an emergency or when you go for the regular check-up?
Another very important thing when we choose from all the health insurance companies is the range of health problems whose treatment is covered by the company. Does the insurance cover everything or some diseases are excluded? For example, some health insurance companies don’t cover the cancer treatment, mental illnesses and other health problems.
Another important point that we need to consider when choosing an insurance company is the flexibility of the offered packages. Of course we all want to pay only for the things that interest us and save costs by screening or insurance for certain diseases which don’t bother us. The more choices the company offers us, the better it is.
A very important point is the terms of payment for the treatment and the percentage of the excess of the payment that is required from us. The deadline for payment of treatment varies for different health insurance companies. The shorter it is, the better.
Last, but not least comes the limit that some health insurance companies impose on the treatment costs. This should be carefully considered as you may be heavily disappointed if you suddenly have to pay for a part of the treatment.
When you are ready with the answers to all of these questions, then you can safely choose your insurance company. You probably won’t regret it.