LEARN MORE
Why private medical Insurance?
When it comes to our health, we would all like the peace of mind that, should we fall ill, we have access to the greatest care as quickly as possible as our health is our most valuable asset. However, managing medical expenses can be quite complex and expensive especially without the right medical insurance cover. Private medical insurance is designed to do just that. Provide peace of mind.
At Assurein Insurance, we understand that no two persons or families have the same medical insurance needs and not all insurance plans are the same. If you feel like you’re running in circles, it’s time to speak to us.
We will ask you questions to help us understand your needs and provide you with choices to help you make an informed decision. We will then scan the marketplace and come up with a range of health insurance plans that match your needs and budget.
Whether you are buying a health insurance policy for the first time, or looking to switch your existing cover, we can help you get started. We offer health insurance for individuals, couples, families and businesses as well as international medical insurance for individuals.
We take pride in offering comprehensive and flexible health insurance solutions that suit our client’s specific needs with the following features – inpatient, outpatient, maternity, optical, dental, personal accident and last expense benefits.
WHAT YOU NEED TO KNOW
What is Private Medical Insurance?
Private medical insurance covers the cost of treatment for illnesses and injuries. These illnesses and injuries are usually covered if they are acute (i.e. short term) and curable over a relatively short period. This insurance covers inpatient, outpatient, and day-patient procedures, surgery, and other medical expenses. Add-on services include dental, and optical care.
How Much Does Private Medical Insurance Cost?
The cost of premiums is dependent on three different things namely the nature of the policy you opt for and what services are included, the amount of cover you would like to access and you and your family’s ages, state of health and lifestyle.
What is the Difference Between Inpatient and Outpatient?
Inpatient is a medical situation where a member is required to be admitted or hospitalised and stays overnight in a hospital. Outpatient is the consultation of a doctor at a hospital or clinic, and treatment without the need for admission.
What is the Difference Between International Health Insurance and Travel Insurance?
International health insurance and travel insurance are designed for different purposes. Travel insurance protects you and your possessions while you’re travelling abroad, and there may be some limited cover for emergency medical treatment. International health Insurance covers you for medical treatment you receive while you’re at home and abroad, and not just for emergency treatment.
Will I get Covered For My Pre-existing Illnesses?
Pre-existing medical conditions are conditions that exist before the proposed start date of your plan. Every insurer excludes coverage on the pre-existing illnesses for certain tenure at the start of the policy. You need to find out what this waiting period for your pre-existing illness is and how soon can you be covered for your pre-existing illnesses. Basically, you need to understand whether your pre exiting condition is temporarily not covered or is it completely excluded from the scope of coverage.
What To Do If I am Admitted In a Non-network Hospital?
In an emergency situation, you might be admitted in a non-network hospital and knowing the claim protocol at that time is imperative. Always remember that treatment in a non-network hospital would be on a reimbursement basis only where you would have to shoulder the medical bills and then get them reimbursed from your insurer. So, find out the reimbursement process, the documents required in this case, and the deadline for informing the insurance company, etc. for this situation.
How Do I Make A Claim?
If an insured is hospitalized or seeks outpatient services, they need to produce their medical scheme membership card to the hospital and can be admitted or treated without paying any money. This is only applicable if the medical insurance company has a Direct Settlement agreement with that particular hospital. In this case the hospital will liaise directly with the Insurance company and obtain the necessary payments. Should a member be hospitalized in a hospital where a Direct Settlement agreement or credit terms are not in place, the member would be required to settle the bills and then seek reimbursement later.
What Other Restrictions Are Placed On Private Medical Insurance?
You will not usually be able to find cover for the following medical conditions, under many private health insurance plans - drug-use, alcoholism, and self-inflicted injuries, cosmetic surgery and fertility treatments.