In running down through this article, at this point it is best we use an explanation model rather than using a direct tool of definition. There was once in which a man booked in for insurance precisely health insurance; the name of the insurance firm will be withheld due to private reasons. This insurance firm gave this young man named Adekunle a rundown of their documents of which contains their terms as well as conditions for their health insurance that will govern their health insurance for his family, Adekunle did not go through the document and proceeded for the signing of the document and started paying his premiums. It got to a day when his son became ill and he was asked to pay $25 for a test to be carried out in the Hospital that he applied for in the insurance firm; he was shocked and started shouting in the Hospital, he walked down to the insurance company threatening to sue them to court, etc, and then the document he signed was brought for him, only for him to discover that there is what is referred to as Plans in terms of health insurance.
This is most of us some time; we tend not to read a particular document and proceed to sign that document without carefully going through the details of what it actually says, I am sure that a lot of persons have become victims of this circumstances. When you want to sign a document with a particular Insurance company for an instance, it is best you critically examine their terms as well as their conditions.
In Health Insurance, there is what is referred to as the medical Plan and it is also a determinant of the Price Factor that will be charged when you proceed to sign an insurance deal with a Company that deals with insurance precisely health insurance. When the term medical Plans is been used in the context of health insurance it is not restricted to that of the patient visiting the doctor but it deals with the following:
KIND OF TEST:
It is worthy to note that not all family health insurance cover all kinds of test; for instance majorly what some insurance plans have in their packages are the culture test, HIV test as well as malaria and typhoid test. This is important for you to know because any kind of test not covered by your insurance in terms of your family deal, you will have to pay for it.
MEDICAL CHECK UP:
You also have to be certain if your application in terms of insurance covers these aspects because if it does, you are freely going for a medical checkup but if it does not, you will have to pay.
KIND OF TREATMENT:
This is also another vital part that you need to be aware of, does your insurance plan covers this aspect, what is the nature or kind of treatment that your insurance plan does not cover.
In conclusion, the above and many more are the plans medically you are supposed to know if your Family covers such medical Plans or not.
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