Generally Health Insurance protects you for main health situations . Hospitalization and Surgery . Specialist Consultations and Diagnostic Testing . Dental and Optical . General Practitioner Doctor Visits and Prescriptions . Natural Health Practitioners The information provided here is of a general nature and different countries and insurers may provide a variation of cover. Hospitalization and Surgery This is typically the most important health insurance cover type also regularly known as ‘base’ cover as this protects you for the more expensive medical procedures such as when you need to go to Hospital for a medically required surgical procedure.
Cover under this section of insurance is designed to pay for surgery to treat a disease or an illness or where you need to be admitted to hospital without the need for surgery. You are usually covered for hospital costs, surgeon’s fees, pre and post operative diagnostics, consultations and tests. Specialist Consultations and Diagnostic Testing This covers Rig-Associates the costs of seeing a Registered Specialist such as visits to cardiologists, and ear, nose, throat specialists. Diagnostic testing procedures such as ECG, ultrasounds, bone density scans, mammograms and colonoscopy are examples of the types of tests you may be covered for etc Dental and Optical Cover typically includes the cost of dental treatment by a Registered Dental practitioner including dental check, cleaning, scaling, teeth removal and fillings.
Also covers the cost of optometrist or consultations and the cost of prescription glasses or contact lenses. General Practitioner Doctor Visits and Prescriptions Cover typically includes the cost of GP visits and the costs of prescriptions and laboratory tests Natural Health Practitioners The types of health practitioners that fall under this type of cover usually include; physiotherapists, acupuncturist, homeopath, medical herbalist, remedial body therapist, reflexology treatment, nutritionist and podiatrist What cover is best for you For the protection against the most significant medical costs then you require the Hospitalization and Surgery cover.
This is the most standard type of health insurance and a good start for everyone. Where you or the family are frequent users of dental, optical or GP services you may find these covers of benefit to you. However it is important to weigh up the cost as the insurance premiums are often quite high for this cover when compared to the benefits you may receive. They are definitely more suited to high users so that the premiums you are paying are worthwhile. When should I buy Health Insurance This one is easy.