How to choose Good Health Insurance?

Health insurance is a kind of protection that provides payment of benefits for covered sickness or injury. Health insurance includes various types of insurance such as accident insurance, disability income insurance, medical expense insurance, and accidental death and dismemberment insurance.

Before signing the health insurance policy, read thoroughly the benefit's section to see if any health care service that is not covered by your health insurance policy. Pay specific attention to how the health insurance policy is worded. Sometimes, health insurance companies hide the health insurance coverage exclusions within the definitions of words.

For instance, a health insurance company may define the term 'emergency' as anything that is life threatening condition that cannot be reasonably treated by a primary care physician. Whereas, your definition of 'emergency' may be anything that requires quick medical attention.

Clearly, there is conflict for the two definitions. If you find yourself in an emergency situation where you incur a broker arm, for instance, your insurance company may deny coverage for emergency room treatment of a broken arm as the broken arm does not fall under the life threatening category.