In Mexico, health insurance is a protection plan to deal with expenses that are generated by medical care after a incident or illness. No one is safe from unforeseen health events and hospitalization costs can be very expensive.
So buy a health insurance It can translate into peace of mind and the certainty that the patient’s assets will not be affected in the future by the possibility of any unforeseen risk that threatens their health.
Do you want to take out health insurance and do not know what you should look for when purchasing it? Here we offer you some of the things to keep in mind to choose the best option for you.
Know the insurance agency that sells you the policy
Most of the health insurance agencies They have a wide range of policies and products. It is recommended review all options to make sure they have insurance that fully suits your needs.
Make sure you know the full name, address, and affiliation of any insurance company you’re considering. Select one established agency with financial strength and a verifiable track record. To find this out, you can investigate the qualification rates provided by independent agencies.
You can also research the insurance company complaints and success stories and what their response has been to crisis situations with their clients so that you can get a general idea of the quality of service that they can offer you.
Choose a trusted health insurance agent
Check that the health insurance agent has your current ID from the National Insurance and Finance Commission (CNSF). This way you will know that they have the necessary knowledge and preparation to guide you properly.
A good insurance agent should be interested in knowing your financial situation and your protection needs so that I can show you different alternatives that suit your case. So if he recommends a certain entry policy, without first asking you about your situation and needsis a clear indicator that it is not reliable.
Review additional benefits of the health insurance policy
Most of the additional benefits of medical expense policies has its own insured sum, which may be less than or equal to the sum of the basic coverage, but can never be greater than this. The Additional benefits do not generate guaranteed values since, despite being charged separately, the premium corresponding to them only covers the possibility that the Sinister be for the open cause.
Some companies consider some pre-existing conditions (conditions that you have before taking out the policy). In these cases, the terms to offer adequate insurance. So it is important that you inform the insurer of any medical conditions that you currently suffer from.
Another benefit offered by some health insurance policies is to cover an incident in the first 30 days of the policy. These cases are also evaluated taking into account the degree of seriousness of the emergency.
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