They are a type of insurance to cover the costs of medical care, pharmaceutical and compensation to the insured. It pays a premium to the insurance company that often increases under advancing age.

Too often before insurance of this type, the insurance company requires a review of health of the individual. If it is detected any illness or dysfunction, it is possible that the company refuses to take out an insurance policy with the customer.

Health insurance companies are usually temporary. At the time of his maturity, both the insurer and the insured decide whether to renew it or not.

Not all insurance covers any type of medical assistance. It is common for chronic treatment, detoxification processes, cosmetic surgery or family planning services outside the coverage guaranteed by the insurer.

Types of Medical Insurance

Within the medical insurance, there are different ways depending on the system for covering the costs of medical care. Notable:

·  Medical service on behalf of the insurer: for this system, the insured has the right to choose a cadre of physicians among those offered by the insurer. You can assist them unlimited.

·  Reimbursement of the amount of medical services used: the insured forward spending on medical and sends a bill to the insurer. This returns the amount advanced by the insured under the limits agreed upon in the policy.

·  Mixed: a mixture of the two previous ones. The insured is entitled to reimbursement of the costs of private medical care, up to the amount established. In addition, you can choose a cadre of physicians within those offered by the insurer.

Remarks

The dual system is often used when the insured wants to consult with specialists concrete outside the box doctor offered by the insurer.

The grant awards is not strictly a health care system, but financial compensation to the insured. What essentially autonomous subscribe to cover losses from low labor of its employees.