Today, health insurance is very popular and in demand, which is completely justified. Having health insurance has undeniable advantages, thanks to which the number of citizens wishing to issue a voluntary health insurance policy is constantly increasing. How soon can you claim on health insurance?
How long after getting health insurance can you claim?
Within 30 to 90 days of purchasing health insurance, the customers do not receive any claim benefit from the insurer in case of any form of hospitalization; planned and emergency. Each type of illness has its own time limit within which the insurance company can deny payment. This is because some people sign a contract with an insurance company when they are already sick. This carries serious risks and the insurance company loses money in the end.
Risks covered by health insurance
- Inpatient treatment. Depending on the conditions of the previous contract, the medical insurance policy provides for full compensation of the means spent by the beneficiary after hospitalization, which include: the cost of consultations, surgical interventions, examinations, purchase of various medicines and drugs; financial means spent to pay for the hospital stay of the insured person, etc;
- Dental services. Dental services include: direct treatment (surgery), initial examination by a doctor, quality advice, x-rays, and anesthesia;
- Outpatient care. The policyholder has the right to call a qualified doctor to his/her home for an examination, professional consultation, timely diagnosis of possible diseases, or treatment of an existing one.
- Emergency ambulance. In case of emergency, it is necessary to act quickly and decisively. Thanks to the timely execution of a health insurance policy, the insured person can be sure of a prompt arrival of the ambulance and provision of everything necessary to improve the general state of health and treatment. This insurance risk provides the beneficiary with emergency medical aid, transportation, quality examination by a doctor and provision of all medicines necessary for treatment;
- Transportation of the beneficiary from the medical center to his home and vice versa. It means that the insurance organization independently organizes the arrival of the ambulance or other means of transportation.
It is worth bearing in mind that the medical insurance policy, depending on the list of services, may cover more than just the above-listed insurance risks. Depending on the financial capacity of the insured and his personal wishes, an insurance contract may cover a wider range of insurance risks. As a rule, an insured person wishing to take out a health insurance policy needs to fill out a questionnaire and a declaration of health.