Insurance is protection against any loss. Several types of Insurances are available in market like Auto insurance, Health insurance. Health insurance policies pay for your all medical expenses. These insurance bodily covers long term nursing or any disabilities.
Health insurances are provided by government sectors or by private companies. These health policies are available on basis of group or can be purchased for individuals too. These policies protect you from high and unexpected expenses.
Idea of health insurance was first purposed by Elder Chamberlen in 1694. Firstly it was just for diseases. But at the start 19th century accidental insurance is also added to medical insurance. This insurance adds insurance facility for permanent disabilities. Actually this model started in 20th century. Most of health insurances cover cost of routine checkups, emergencies and most of the drugs. But it’s not always the same case. Different health insurances have their different conditions and terms.
Health insurance plans are designed in such a way that it can suit your expenses and easy to purchase. These insurance plans will protect you from costs as well as provide you wellness without any tension of payment of doctor bills. There are many health insurance plans provided by different hospitals or other organizations to suit your premium and your need.
Two types of health insurance plans are available: –
1. Comprehensive health insurance plans: – These plans will provide you a percentage of your total medical expense. These plans are very costly but they cover nearly total expense.
2. Scheduled health insurance plans: – These plans are not so expensive, so these are common in peoples. But have limited benefits. These plans are not so effective. They don’t give you all medical expenses. They give you maximum fixed amount of medical benefit.
Health insurance companies first checks the previous health record of person and current records too like smoking and drinking habits, weight or does he had any treatment done for any long term diseases. So they give them health insurance packages to choose according to that reports like a person having serious health issues have to buy comprehensive plans. This is called adverse selection. They also give discounts if person leaves smoking and stays healthy for long time. Other factors like lifestyle, high-price technologies, advance medical technology, age, drinking and smoking habits etc. also affect the health insurance cost. Some of the countries have made health insurance plans compulsory for every citizen.
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