The whole point of having health insurance is to cover private healthcare appointments and treatments. You pre-emptively have a premium, and this money allows you to enjoy protection later on. Stemming from this, people want to know how quickly they are able to make a claim with a health insurance policy. For example, if you agree to a new policy, can you claim for the doctor’s appointment you have later that day?
The answer to this question will depend on certain variables. Here is a guide that will assist you on your private healthcare journey.
Know the Terms and Conditions
One mistake many people make with health insurance Is not reading the terms and conditions. This can lead to disappointment later on when you try to make a claim. Each health insurance company is unique and will have its own set of terms and conditions. The policy they offer you is individual and personal to you. Your policy with one company can be very different from what another offers. Indeed, this is why you always want to take your time and choose the right policy. This means shopping around and reading the terms and conditions before agreeing.
Often, health insurance companies require new customers to wait a certain amount of time before claiming. For instance, this could be around two to four weeks. This means that you could not be able to get money back for any treatment you had during this time. Then, other companies can allow you to make a claim immediately when you agree to the policy.
Again, studying the terms and conditions beforehand is the key to knowing what you can make a claim. You are able to see what providers will offer you a health insurance policy at https://www.usaycompare.co.uk/health-insurance. Usay Compare offers you a free quote, allowing you to see all of the available options in the market today. Then, you can check out the details of their policy to find one that offers quick claims.
No Claims for Pre-Existing Conditions
Know that a health insurance policy is unlikely to cover pre-existing conditions. Most providers do not allow you to claim for any treatment related to conditions you already had before getting the policy. So, know that if you make this type of claim, it will be rejected. It will not matter how long you have waited to make a claim. It is not to do with the duration of your policy. Rather, it is the fact that you are suffering from the uncovered condition.
You can find out whether a policy will cover pre-existing conditions in the terms and conditions. You will want to know this in advance so that you are satisfied later on. It can be devastating to seek private healthcare treatment and believe you are covered. Later, you will have to foot the bill because the insurance will not pay. Thus, this extra time you spend reading your terms and conditions carefully will be beneficial.
Check for a Claim Limit
You should note that a claim limit can be associated with your health insurance. Again, every policy is going to be different, and it is important that you always read the terms and conditions beforehand. This way, you can know if there is a claim limit. This means you can only make a certain number of claims annually. In addition, there can be a limit on the costs you can claim for too. Again, a provider will be obligated to inform you of this in advance. Thus, it will be in the paperwork given to you. This is not something that can be hidden.
It is pivotal to understand that a claim limit is different from a no-claims bonus. There are people that get these two terms mixed up. Some companies will offer you a no-claims discount. This means you will get a bonus on your policy if you have not made a claim recently. You want to think about this carefully and really consider whether you want to claim the treatment you have. Know that a no-claims discount can be a larger amount than you think.
Your premium can increase significantly when you use your policy for a claim. Always weigh up whether you think it is worth making a claim in the first place. You might find the consequences are paying more each month than footing the bill yourself. Think carefully before you act so you can make the right financial decision.
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