Ensuring our safety is considered as the basic necessities of a typical household. This means having a sort of backup plan in case accidents happen and you currently have no petty cash to pay for hospitalization.
By enrolling you and your family to a reliable insurance Philippines service, you can rest assured that all medical needs will be taken care of with the least hassle. However, it’s also important to note that not all companies are created equal. There are entities who offer better deals compared to the rest. Your job is to weigh down the differences of these companies and assessing which of them could provide you better support.
Before agreeing on any deals, it’s best to take the following considerations in mind.
Total coverage including drug prescription and doctors
You have to understand that not all doctors are covered by insurances. If you want to keep your personals physician, then make sure he’s covered by the insurance you apply on. Otherwise, you will have to undergo treatment under a different medical expert.
Also, take some time to verify whether or not the medicines you often use or maintain are covered by your insurance. You want to save money by having to shoulder all medicines every time you take them. Make sure the insurance company includes your needed medications on their official list.
Current insurance offered by the company you’re working for
Now for people working on private companies, there is a huge chance that your boss already has you enrolled to an insurance company that they’ve chosen to partner. While this is okay, you’ll have to understand that their insurance choice may not necessarily be the best option for your needs.
Be specific on what you expect from your insurance holder and see if the one granted by your company provides it for you.
Different packages naturally cost differently. There are premium offers that claim to be the most affordable deal but actually requires you to pay more due to some add on fees every time you use the insurance.
Getting insurance for yourself or for your whole family would also differ. To better assess the amount you’re expected to pay, better choose the most appropriate plan first.
Benefits including routine examinations
Routine examinations are those basic check-up procedures you undergo such as immunization. Some insurance companies do not cover these things on their packages.
Get a list of the benefits you’ll get once you enroll to a service and compare it with the rest of your choices. While most of them may have the same items on their list, you should be able to identify whether or not they are capable of assisting you as well to those basic needs.
Efficiency of the company in handling claim disputes
This could perhaps be one of the most controversial matter in the insurance industry. Over the years, there have been a number of complaints from clients, saying something about how their insurance company refuses to give the money, reimbursement or service they promise.
Details of this issue could be answered using the terms and conditions provided by the company, which is exactly why you’ll need to understand it contents way before forging the agreement. Reliable companies are known to have the least complains from their clients. If any, they are skilled enough to resolve it with the least hassle on the customer’s part.
You’ll never know when accidents strike and it could happen when you’re totally unguarded and away from your local city. Having insurance makes it easier to be admitted to any hospital within the country without much hassle. More importantly, it allows you to gain access to major medical services that would otherwise be too costly if you pay it in bulk.
Weigh your options well and have your whole family enrolled to a trusted insurance company!
November 15, 2016