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Health insurance coverage usually covers the cost of an insured individual's medical and surgical expenses. It pays for provider services, medications, hospital care, and special equipment when one is sick. The actual costs and care varies based on health care needs and coverage.
How Does Health Insurance Work?
In health insurance terminology, any clinic, hospital, doctor, laboratory, healthcare practitioner, or pharmacy that treats an individual is known as the "provider." The "insured" is the owner of the health insurance policy or the person with the health insurance coverage. Depending on the type of health insurance coverage, either the insured pays the costs out of his pocket and is then reimbursed, or the insurer makes payments directly to the provider by opting for a 'cashless treatment'.
There are two main types of health insurance:
FAMILY HEALTH INSURANCE
A family health insurance plan covers more than one member of family for a fixed sum assured in exchange for single annual premium. This type of policy provides coverage to two or more members of a family at the same time. These policies are also known as floater policy.
Such a plan generally covers a family including Self, spouse along with up to 4 children, while some insurance companies allow inclusion of parents in the existing health insurance policy. Few companies also allow inclusion of in-laws (extended family members) in the existing family floater plans with addition premium.
BEST INSURANCE PLANS
One has to do lot of research before being able to find the right and best health insurance plan. A thorough comparison of health insurance plans offered by multiple companies is needed. Also each family or individual may have unique health insurance requirements. So, it is advisable and beneficial to compare best companies for their best plan as required.
Here are some of the important factors to keep in mind before buying a family floater health insurance plan:
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