Free Online Article Directory. For Article Authors & Publishers
Medical Insurance - The Whole Truth
Health insurance is available in three basic guises - although there are a great many policies out there under various names. They range from simple cash plans, where you receive a cash pay out when you receive certain types of health care, plus a set amount per night if you're hospitalized, right through to fully comprehensive policies.
One thing is important; whatever sort of cover you take out. If you're asked to fill in a form relating your previous health history, it's vitally important that you're completely open and honest and include absolutely everything. Even things that are not relevant to the condition for which you have to claim can come back to cause problems if you fail to disclose them.
What happens when you make a claim under your health insurance policy is that your records will be checked and if there are any discrepancies between what you've told them and what your GP's note say, then the claim will be in dispute. Even if the condition which has been omitted appears to have nothing whatsoever to do with the condition for which you're making the claim.
Insurers frequently issue policies taking your word for the medical facts and it's rare that they ask to see any notes. They say that this would be too costly, but when they may have to pay out, it's a very different matter. What if a condition that doctors had been suspicious about, but not discussed with the patient, had not been disclosed? The patient obviously had no way of knowing the doctors suspicions and the insurers didn't ask for any medical notes - so where would that leave any claim?
There's a case of a man who had attended his GP, on and off, for a number of years. For the past ten years or so, his doctor was suspicious that he had the symptoms of multiple sclerosis. They were only suspicions and the patient was not told, although they were mentioned in his medical notes. Had he tried to take out health insurance obviously no mention of multiple sclerosis could have been made. Multiple sclerosis is a serious condition and there's no doubt that there could have been an interesting case if a subsequent claim was made.
When eventually the diagnosis was made and the patient discovered that the doctor had recognised the symptoms well enough to make notes for a number of years he made a complaint, saying he should have been made aware of the possibilities in order that he could make plans, there followed a legal battle with his local NHS trust. They admitted that the doctor's actions had been wrong and the patient was awarded compensation. This just goes to show that the way that these insurances are sold needs some changes. With the best will in the world, people can't possibly remember every single illness and it also makes the point that there are things which they don't even know about!
There is the suggestion that the law in the UK should be altered. This would be by introducing something known as "non-contestability". A contract containing a clause like this would put a time limit on the insurer's ability to examine previous medical notes when arranging cover.
Author Resource:-
You've just been diagnosed with a serious illness and think "thank god I've got Medical Insurance"! I'm glad you've sorted that out, but I have a more important question to ask you - have you thought about making a Will? If you haven't, why not go and visit the Online Will Writers website! We can provide with great information on Wills, Free Wills, Wills and Trusts and Last Will and Testaments. So visit Online Will Writers, and get it done!
A look at Long Term Care Insurance - Hitting that century mark or even living well into our nineties is hard to fathom - so much so, that a lot of us are guilty of just ignoring the "what ifs" of making it that far in life. However, for women, facts show that we ARE living longer and longer. This is great news but living longer may create some pretty severe financial challenges.
You purchased dental insurance through your employer and now you are wondering if it will pay for the work you want done on your smile. You need to have your teeth straightened, whitened and you would like to do something about gaps in your front bottom teeth.
Getting an instant car insurance quote is a trendy method these days that you could use to obtain a fair comparison between different auto insurance companies along with their offered services.
The instant car insurance quote service is the need of the hour these days all over the globe. Today everybody wants to save his time and money at all costs due to the overall busy life and recession touching at our doorstep.
There are many types of life insurances to choose. Make sure you understand what type of life insurance is best for you and your family before you spend your hard earned money on a life insurance policy.
It had never been so easy to secure a reliable and favorable instant auto insurance quote from the market in the past decades. The reason was the lack of technological advancement and the non-availability of internet podium as well.
If you are looking around to get the instant auto insurance quote then you have multifarious ways to clutch it from the market. The breaking news for all those folks who are afraid to solve this seemingly complicated puzzle is that obtaining these quotes is not a sophisticated process at all.
The importance of instant car insurance quote comes into play when a cop put charges against you for not covering yourself and your car with insurance coverage.
This task seems to be very hard in New York i.e. to find the auto insurance New York that is suitable to a common man's pocket. In fact the world of auto insurance is very vast and every car purchase is connected with high rising insurance rates.
![[Valid RSS feed]](http://www.articlelisted.com/images/icon_Rss.png "XML Feed For RSS"){kind=icon}
Michael challiner's Author Feed
Print This Article
Add To Favorites 