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A Simple Guide To Setting Up A Health Insurance Plan For Yourself Today?
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No one likes to fall ill, especially if it required plenty of funds to recover back to normal. However, at some point in life, you will need the required treatment. In this case, a health plan is a great way to stay financial well protected as you grow old. Not only does it protect your health, it also ensures that your family members are well protected, in the event something happens to your health.
However, when you apply for a health insurance plan, it may seem like a complicated process. Apart from plenty of factors to consider, you will need to take ensure that you make a detailed comparison before you make your decision. Once you have decided what your ideal health plan is, here are the steps you will need to take:
Step 1: Proposal form and doctor’s interview
This is one of the crucial steps you will need to take when opting for a health insurance plan. When filling the details for this form, you must be careful and diligent. You will then need to submit the proposal form to the insurance company, wherein which, a panel of doctors will run through the proposal. At times, the panel of doctors will also call you to get a clearer clarification on any of your medical declarations.
Step 2: Schedule for medical check-up
After your proposal has been reviewed and the doctor’s review, you will need to undergo a set of medical check up to assess the finalization of the proposal. During this process, you may have to undergo at most 12 to 15 different check-ups. Some of the check-ups will include tests related to your blood, lipid, sugar, urine amongst others. You may also have to undergo liver function test, kidney function test and serum creatinine routine tests. A PSA for men and sonography for women may also be recommended. If you enjoy a well-controlled lifestyle or suffer from minor ailments, you have a good chance of getting through the medical check-ups easily.
Normally after this step, you will be given the clear ahead for the approval of your health insurance proposal. In reality, most health insurance policies have a stringent evaluation before accepting any proposal of insurance. In some cases, your proposal may be rejected. So what are the steps you can take if such a case arises? Here is what you can do:
Opt for a re – check up at a reputed medical institute
In the occasion you are having doubts over the medical evaluations of your proposal, you can take the same tests at another reputed lab. If you get the required favourable results, you can contest with the insurance company against their previous results. In this case, the insurer can rely on your report or opt for another retest before taking a final decision.
Author Bio :- Neha Sharma is a finance student who loves to write during her spare time. She has considerable information about healh insurance. Through her work, she has provided valuable information through a simple guide that will allow you to set up a health insurance plan for yourself today.
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