Medical insurance is taken to cover the costs of private treatment for what are usually known as acute conditions. Any disease, illness or injury that is likely to respond quickly to treatment is defined in UK as an acute condition. Most insurers accept this definition and pay for the treatment that aims at bringing back the insured person to the state of health he was in suffering the disease, illness or injury.
Most people buy medical insurance to make it sure that proper treatment is made available for them promptly, if they fall ill or are injured. Generally, the terms and conditions allow you to choose the time of treatment, the specialist who should treat you and even the hospital in which you want to be treated. Unless there is a limitation on the amount of money to be covered by the insurer, your treatment will continue until you recover fully.
However, all the diseases are not covered by medical insurance policies. Minor diseases and chronic conditions that cannot be cured are generally not included in insurance policies. Pre-existing conditions which refers to any disease that you have been suffering from before taking out the insurance is also not covered by insurance policies. Hence, it is important to know what diseases your insurer will cover before you sign the agreement form.
Like life insurance, one should be careful purchasing health insurance policies. There are a number of companies that sell insurance policies. Most of them have online presence. Thus, they provide online source for individuals, self employed, and small businesses to find, compare and buy health insurance policies. Health is wealth, thus runs the proverb. With end number of things that cause illness scattered in the air, you never know which one is going to contaminate you and when. So, it makes real sense to be prepared for the worst.
by: Darlene Kaitlin
Article Source: www.articlesbase.com
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