Health Insurance, Obligations and Rights

web style women want to inform you everything about your health, not just your options, but your health insurance and for this reason we expanded the content of previous articles on aspects such as health insurance, so once you have contracted health insurance is also recommended that additional insurance adquiráis called travel assistance.

This insurance covers all expenses that the insured may have in case of illness, and that covers you from your home shifting to the center to which you move, whether it is a national or international hospital. It also has the advantage that the health insurance covers economically compensation in case of death , naming as the beneficiary named by the insured or if they do not contain any person as beneficiary, your heirs would direct declare this income tax as a inheritance, necessarily liquidating the estate and gift tax.

Obligations on both sides
The obligations that an insured has the insurance and the insurance company are very simple, only need to sign an affidavit acknowledging his fitness, as well as undergo a medical examination if the company deems it necessary , examination of course runs by the insurance company

To refuse any of these requirements, the insurance company is located in the right to cancel or not to recruit the health insurance policy. Also if you have a chronic illness, these operations something, if you smoke, drink or have any type of medical treatment on an ongoing basis, you are obliged to clarify and to notify the insurer of these points.

While the obligations of the insurer or the user's rights are part of the user submitting the medical bill if the specialist is not in the picture that the company has provided us and the company has the obligation to pay the bill health within thirty days. This type of presentation of invoices by the insured subsequent reimbursement by the company it covers only the medical health policy for reimbursement .

Health and grace period
One of the great struggles of healthcare companies and requiring the insured to the good use of the policy is not to over-scheduled visits , just in case we are really needed in order not to increase its spending and not have to raise prices of the policies.

That figure is called a copayment and is to limit visits to a number, thus avoiding the misuse of the policy if the insured exceeds his visits to be paid the bills by 50% between the company and the user in an attempt to limit expenses and raise the insured's good use.

We can not ignore the waiting periods for some events such as pregnancy and childbirth, diseases existing prior to the hiring policy, undeclared major diseases that already exist, these diseases have a time marked by the insurance companies to be covered.






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