Health insurance plans become increasingly necessary because of the increasing costs of medical care, hospitalization and medicine. The great majority of the affected by the lack of any form or medical care are the seniors, which is the population that is more vulnerable to health problems.

Nowadays, the role that health insurance plans play within the family economy is very important provided that they give reassurance when an unplanned event happens. In general, these plans are contracts by which the insured is reimbursed in case of illness or hospitalization.

There are some health insurance plans that could provide health coverage for people of old age in exchange for the payment of a fee every year. In order for seniors to be accepted as such by insurance companies, they need to be older 65 or whatever the national profile is. Some policies apply to people that are older than 70 or 75 years.

The criteria for a person to be approved by a health care provider should not be age but health condition. In this scenario, an insurance company will judge whether a person qualifies for a plan on the basis of their health not age. So for instance, if a person has heart condition and poor health, he or she would be likely to be rejected regardless of their age. Unfortunately, age determines how high or low the monthly payments for the health insurance plan will be.

Health insurance plans offer the insured the possibility of visiting highly qualified doctors that work in emergency rooms or clinics. Another benefit of these kinds of plans is that they compensate the insured with a fraction of the cost of the medical bill. Additionally, your health insurance plan could cover you whether you are in the country or not, when the time in the foreign country is not over the three months.

Among the other benefits that health insurance plans provide are: accidents, accidental death, organ loss, funerary costs, etc. When the reason of the death of the insured is due to covered illness or accident, the plan would also provide benefits to the dependents for a total of three years.

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Posted Sunday, June 14th, 2009 at 7:01 am
Filed Under Category: Affordable Health Insurance
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