When applying for health insurance coverage it is essential to understand an insurance company’s policies on pre-existing conditions. Technically, any medical condition that you had prior to your application for health insurance with a mentioned company can be considered a pre-existing condition. If you have been through a doctor for back pain, even though the injury was four years ago and even you did not received any treatment whatsoever, but an insurance company could consider that a pre-existing condition.
Probably you never went to a doctor but had been aware for some time of a pain in your back. It didn’t bother you steadily, but every once in a while you took an aspirin to improve the pain. The pain in the back could also be considered a pre-existing condition.
Some of the important tips will guide your discussion with an insurance agent:
Understand how the insurance carrier defines “pre-existing” – Each and every company has their own definition of pre-existing condition. Having pre-existing conditions doesn’t mean that your insurance rates will be higher. But, if the pre-existing condition suits into a company’s profile, it might mean that those conditions will not be covered by your insurance.
Ask about time limit on what is considered a pre-existing condition – Various companies put a certain time period on what is considered a pre-existing condition. Some company gives five year whereas some give ten year to look back as the time limit for determining pre-existing conditions. You can generally find a statement about how an insurance company will take a pre-existing condition by going to the exclusion pages of health insurance policy’s brochure.
Go through the find print related to pre-existing conditions – It may determine whether or not the insurance will suit tot your requirements. Rather, you may think about some medical problem will take care; it is clearly excluded from coverage because it is a pre-existing condition.
Consult with an insurance agent. Insurance agents are experts on all distinct health insurance companies and policies. They can save lots of your precious time.
Arabian health insurance is specializes in providing health insurance Dubai that befits your need. Just fill the form given on their website and get suitable health insurance quotes as per your requirements.
Source by Ena Taylor
