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Medical Insurance Coverage for Health Insurance

One of the most important aspect for a health insurance is the medical insurance coverage. Medical insurance is the protection against the risk of incurring medical expenses among individuals. So when claiming for medical insurance benefit from your health insurance, you should ensure you have the necessary information and proof before submitting your claim.

Types of Medical Insurance Covered in Health Insurance

Different medical insurance products provide different level of coverage. You need to ensure you compare the medical insurance summary of benefits or coverage before you purchase the most suitable plan.

Medical insurance usually covers a standard list of health insurance coverage. Some of these include:

This usually covers major treatment that requires the life assured to be admitted in the hospital for a few days. Benefit for such coverage is based on the limit for each sub-category. For example, room and board or Intensive Care Unit is based on amount per day or number of days covered per disability. There are also some sub-categories that are based on per lifetime / per year, and some can even be give full coverage.

This usually covers less complex or simpler treatment in the hospital but do not require the life assured to be admitted. Hence, the life assured could be discharged on the same day after receiving the necessary treatment. Similar to Inpatient Hospital Treatment, benefit for such coverage is based on the limit for each sub-category. Depending on how comprehensive the plan is, one may receive full coverage or limited reimbursement.

This covers medical services incurred within a certain number of days prior to a covered confinement in a hospital. Depending on the comprehensiveness of the medical insurance plan, the life assured may receive full coverage or limited reimbursement.

This covers follow-up treatment in the hospital, which may include physician visits, laboratory or diagnostic tests, prescription medicine and drugs, and even private nursing.

Some medical insurance provide additional or special benefit, such as human organ transplant, psychiatric treatment, etc. Some of the sub-categories have per lifetime or per year limit as these treatments are rare.

This covers pre and post-natal services, miscarriage and delivery costs including newborn related services. Benefit for such coverage is based on per pregnancy and the amount reimbursed is based on the comprehensiveness of the medical insurance plan.

 

Depending on the medical insurance plan and premium, the benefits will vary. Before you decide which medical insurance plan is suitable for you, it is good to do a comparison and read through the coverage and benefits of the policy.

 

More Info

This usually covers major treatment that requires the life assured to be admitted in the hospital for a few days. Benefit for such coverage is based on the limit for each sub-category. For example, room and board or Intensive Care Unit is based on amount per day or number of days covered per disability. There are also some sub-categories that are based on per lifetime / per year, and some can even be give full coverage.

This usually covers less complex or simpler treatment in the hospital but do not require the life assured to be admitted. Hence, the life assured could be discharged on the same day after receiving the necessary treatment. Similar to Inpatient Hospital Treatment, benefit for such coverage is based on the limit for each sub-category. Depending on how comprehensive the plan is, one may receive full coverage or limited reimbursement.

This covers medical services incurred within a certain number of days prior to a covered confinement in a hospital. Depending on the comprehensiveness of the medical insurance plan, the life assured may receive full coverage or limited reimbursement.

This covers follow-up treatment in the hospital, which may include physician visits, laboratory or diagnostic tests, prescription medicine and drugs, and even private nursing.

Some medical insurance provide additional or special benefit, such as human organ transplant, psychiatric treatment, etc. Some of the sub-categories have per lifetime or per year limit as these treatments are rare.

This covers pre and post-natal services, miscarriage and delivery costs including newborn related services. Benefit for such coverage is based on per pregnancy and the amount reimbursed is based on the comprehensiveness of the medical insurance plan.

 

Depending on the medical insurance plan and premium, the benefits will vary. Before you decide which medical insurance plan is suitable for you, it is good to do a comparison and read through the coverage and benefits of the policy.

 

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