Coverages includes in Health Insurance.
Health insurance varies between them just as the price of the policy is different between one package and another of coverage includes in health insurance. However, there are 10 services that stand out among insurance due to their importance.
The medical insurance offered by most companies is divided into basic and complementary insurance . The most normal thing is that basic insurance includes a number of elementary services and that they have a copayment. That is, having to pay for each complementary service. Meanwhile, the most complete insurances usually have broader coverage with a higher price.
The most basic services usually include Preventive Medicine, certain specialties, diagnostic tests and simple therapeutic methods.
In addition, some companies also include dental services, emergencies and home services.
A more complete coverage would be one that includes hospitalization, surgery, postoperative care or special therapies such as chemotherapy , among others.
Coverages includes in Health Insurance;
Primary medicine: which includes the patient’s access to a family doctor, nursing services and some specialties, such as the pediatric service.
Medical specialties: such as Cardiology or Dermatology. Many insurances include these services in their basic packages.
Simple therapies: such as psychological treatments, rehabilitation programs or ventilation therapy, among others. In addition, a large number of insurers offer these therapies at home.
Emergencies: both at home and at the nearest health center included in the company’s medical directory.
Family planning: which encompasses all services related to reproduction, such as IUD implantation, vasectomy, genetic studies or childbirth care.
Mental Health: such as psychiatric care or behavioral health treatment.
Preventive services: with which diseases that have not yet manifested are detected. In addition, with this service you can also perceive other health problems such as poor vision or high blood pressure.
Dental coverage: included by many companies in their basic packages. Even so, most cases do not include the most serious interventions and only cover revisions. Therefore, if you want a more complete dental insurance, the best thing to do is to look for it separately or pay for the complementary service.
Childbirth coverage : which usually includes all necessary services for childbirth before, during and after giving birth.
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Hospitalization and surgery : usually belongs to the most complete coverage. Includes hospitalization before and after the surgical operation. This coverage may also include the treatments or medications that the patient needs after the intervention.
What does health insurance not cover?
Health insurance alone does not guarantee full coverage in any situation. Insurance usually has its limitations , either imposed by the insurer as part of its company policy, or because the agreement reached between the insured and the insurer excludes some services
The exclusions are the cases in which the companies do not cover the insured. These are not general cases , but exceptions that the insurer has as a company policy. It could be that a company does not cover a certain illness or does not include a certain treatment.
Pre-existence is the name given to a disease that the insured person suffers from before contracting the insurance . It is recommended that the company knows the pre-existing disease. It is true that, given this, the insurer can reject the insured, increase the price of the policy or not cover the treatment of the disease. But if the client does not inform the company about the pre-existence before hiring, he can be accused of fraud. The insurer could sue you, in addition to rescinding the contract.
Unless a contract is made that specifies otherwise, insurers do not usually cover illnesses or accidents caused during work activity or the practice of risky sports.