What Should I Buy? “Health insurance” or a “Health Plan”
There is much confusion among the common people on how to choose the Health options that are available in the market, they are in different names like ““Health Plan HMO, PPO, PHC, Medical Discount, discount cards etc. Unfortunately, some of my colleagues have contributed in creating a comprehensive description, and also some firms have come out with them, but they are mainly for advertising benefits. In most cases the clauses and rules mentioned in them makes the client-patient to be confused and they do not express an absolute truth about what they will give us or at what will be the long term results
read moreWhole Life + New Born = Overkill?
Babies– they bring joy and happiness to all who see or hold them, and as parents, aunts and uncles and loved ones, we will always find a way to protect them. Yes, insurance is definitely needed to protect your bundle of joy, but some believe that getting a whole life policy is being greedy and totally unnecessary.
read moreHealth Insurance for Domestic Animals
Health insurance for pets (dogs and cats) warrants to the owner of the animals the reimbursement of expenses in case of accident, illness or disappearance of the animal and reimbursement of expenses of the care of the animal in a kennel or cattery in case of hospitalization of insured.
These warranties are valid in Portugal, but there is the possibility of extending the alien in consultation with the insurer.
What are the coverage guaranteed?
Reimbursement of medical expenses and drug as a result of accident or illness:
-Physicians and nurses
-Materials used in the consultations and examinations
, tests
, hospitalization
, medicines prescribed by the veterinarian
-Reimbursement of expenses with the publication of notices of disappearance of animal
-Reimbursement of expenses of the care of the animal in a kennel or cattery in case of hospitalization of the insured (owner of the animal)
-Possibility of coverage in the practice of hunting in consultation with the insurer
Health Insurance: wait less and pay less in 2012
While paying € 5.00 for an appointment at the Health Center, I am willing to wait months for consultation? If I need a query, need right now and not in a month, two months or more … ”
“If you need to go to an emergency appointment at the Health Center instead of going to the hospital, I am willing to wait hours and vague, if you’re lucky?”
“If you choose to go to the hospital, I am willing to pay € 20.00 for appointments and wait for hours if you give me in sorting medium or low priority?”
If you are willing to wait, read no further and please be happy.
If this really worries you, then know why one should opt for health insurance:
- Having a health insurance, pay less and expect less as the price of the consultation varies from € 10.00 to € 15.00 and is served in most cases, the same day and I will by appointment by the waiting time is short. Take a book or magazine while you wait.
TIP: do not take magazines and newspapers in the waiting room: they are like the ties of physicians – many bacteria
- If you have a health insurance reimbursement, be aware that private hospitals and doctors will give priority, as they receive the full amount of the consultation and then you are reimbursed by the insurer.
- Unless you have a medical emergency involving the INEM (where the public sector is very good), it is faster to perform surgery through health insurance. It is a matter of days, not months as in the NHS.
- If you ADSE or other health subsystem (SAMS, …) know that there are health insurance to reimburse the expense he had with the operation or consultation. For example: The ADSE supports an operation 5000, you pay 500 for example. You can request a refund of at least 80% of € 500 depending on the insurer.
read moreLife Insurance, Health Insurance Reform and Complement in Business – Benefits
A good decision for the year 2011 that businesses can take is the life insurance business, health and pension supplements for most employees
According to the IRC Code, companies can deduct for tax purposes the cost of life insurance and pension supplements up to a maximum of 15% of total gross wages and since the majority of employees are covered.
This measure should only be changed in 2014, according to what I read in the Official Public .
It is a good human resources policy to wager in these products as well as the tax benefit also contributes to the well-being of employees and is motivational factor and increased productivity.
Previously I wrote some articles that are illustrative of the benefits and the need to subscribe to this type of product.
If you run a company, the underwriting of these products make a priority in the year 2011. Nothing is more important than the health and well-being because without them, do nothing and your company can benefit from it to be a fiscal cost. You only have to win!
An excellent year 2011!
read moreDifferences between providers and health insurance through Refund
When one subscribes to a health insurance, we can do it in two ways:
- Health Insurance as part of a service – networks Advance Care , Multicare or Médis , for example – called “Managed Care”
- Health Insurance Reimbursement
In the first case, the user goes to a doctor or hospital within the network and supports the co-payment that it deserves: In Hospitalization 10% or a fixed value (in our health insurance does not pay anything), in the case of consultation, values can vary between € 10.00 and € 15.00. Diagnostic Aids in the exams, the cost can be 10% or a fixed value.
In the second case, the user pays to consult the Doctor and in case of hospitalization for a chance to sign a disclaimer. After sending the receipt to the doctor or hospital insurance, it pays a maximum of 8 to 15 days the value of the share ranging from 75% to 90% in hospitalization, consultations and elements diagnostic tests, medications, etc..
Common in these insurance coverages:
- Hospitalization
- Consultation and Diagnostic Aids elements
- Medicines
- Stomatology
- Prosthetics and Orthotics
- Childbirth
Depending on the solution you choose, the co-participation vary from insurer to insurer. They have agreements with service providers mentioned above, and the Advance Care Provider is the most protocols with insurers.
Even health insurance “Managed Care” have been co-participation of the network – ranging from 30% to 70% depending on the make sure. Within the insurance companies have several options. Just choose which best suited for you.
To purchase a health insurance and choose the best method for you, consider the following factors:
- What I want in a health insurance? Dentist need? Childbirth? Drugs? This is because if you just want to Hospitalisation and specialist consultations, insurance is cheaper than opting to Dentistry (includes Dental) and Prosthetics / Orthotics (includes frames and lenses for glasses).
- Hospitals and doctors have a preference for insurance reimbursement they received the head and is easier to make appointments from one day to another in this mode.
- In the insurance reimbursement, there is no age limit of stay and can choose any doctor and any hospital in Portugal.
- The Insurance Reimbursement is a little more expensive than insurance “Managed Care”, but has the above advantages
- There are safe with critical illness cover (€ 1,000,000) above the “Managed Care” in which the supplier is the Best Doctors usually. It is worthwhile to opt for a “managed care” with this coverage. Alternatively, you can hire this coverage alone – if a single person or couple, insurance costs € 128.40 / per person per year; couple with son (a), about € 300.00 per year.
There are several solutions on the market in health insurance. Be sure to make one according to your possibilities. Get help from a mediator or broker .
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About Me
Hi, this is Helen Betty. Welcome to my blog. Being an Insurance Officer, I wanted to share my knowledge regarding Insurance with people. Hence, I have made my blog a little informative with all kinds of insurance stuff in it. I hope this blog of mine would be able to give you enough info about the tactics of Insurance.