Top-up covers work on the deductible sum insured concept. Deductible amount means the amount which you have to pay first so as to trigger the top-up cover. You can pay this deductible amount from your existing / base health insurance policy, or out of your own pocket.
If you are looking for a quote for health insurance and you are trying to stick to a tight budget, then being flexible will serve you well. By not being all that picky about whom you see, you could find yourself paying a fraction of what you would otherwise be paying.
The major error many people make is when they decide on what insurance product to get based solely on its cost. You should look into the details of an insurance product. What kind of benefits do you need? If a low-cost insurance product does not cover the kind of benefits you need, then you should consider other health insurance policies.
Or, let’s say that you are in peak physical health, and your company asks you to do a medical exam, to see how healthy you are. You get the tests back, and you are called into the doctor’s office. He asks you to sit down, and tells you they may have found an irregularity in one of your tests. Later, you find out that you have cancer. The treatments for cancer are very expensive, which may end up doing more damage to your life than just the cancer alone.
The time that this insurance will really be worth the money is if you end up with a health condition. For example, if you are told you have cancer, without coverage, you could very easily end up broke.
It said on your quote that you have office visit coverage. But many times you will have coverage for office visits but only AFTER you meet your deductible. So be careful when you look at your new best health insurance Thailand quote or when selecting your new Group Health Insurance plan at work. Look at the wording of your deductible. It will state deductible per person or it will state a higher deductible (usually double the single deductible) for two or more people. It should show it on the quote but at times it isn’t always obvious. Now in addition to your deductible another thing to review is your coinsurance and out of pocket maximum.
Molly Bee was a very cute, lovable and absolutely wonderful West Highland Terrier. Coming into my life when she was 12 weeks old, I assumed the best for her since I was getting her from a reputable AKC breeder. I had no way of knowing what was in store for her. I was not prepared for the thousands of dollars I would spend in vain trying to save her life.
Because there are some many different facets of your health insurance policy, it is always a good idea to shop around before you buy anything. By far, the easiest way to do this is by using an online service that lets you get quotes from several different companies all at the same time. You will be able to compare them side by side and choose the levels of deductibles that work for you and your health.