In protecting
yourself and your family, personal
medical insurance is probably one kind of insurance you might need.
Personal medical or health insurance is a kind of health insurance, which is
one good and preferable alternative when your company does not provide group
medical insurance. It is also preferable, when you are working by yourself, but
there are still any work accidents you might experience.
There are indeed
some aspects or factors that differentiate between the personal medical insurance and group medical health. First, this
personal insurance costs quite a lot of premium; it is probably much higher
than the group insurance. Second, it allows you to get the medical features and
services you desired, including the doctor and hospitals.
In personal medical insurance, there will
be four plans offered to you; they are comprehensive policies that protect your
whole family members, HMO or PPO policies, major medical policy, and a high
deductible policy. HMO or PPO policy of medical insurance is a plan or policy,
in which you are allowed to pick any clinic or doctor you desire.
Different from
HMO or PPO in personal medical insurance,
the major medical policy is an insurance policy that is only offering certain
coverage. It also probably limits your option toward the healthcare clinic or
doctor. Anyway, there are some things you should do and consider in finding the
best personal medical insurance.
In getting personal medical insurance with the
best deal, you should firstly set your deductible as high as you can; most
medical companies will offer lower premium for high deductible. You should also
ask your home or auto insurance, whether they provide health insurance for you.
The fact is that
most types of personal medical insurance
come with home, security, or auto insurances. It is also recommended for you to
stop your bad habit, which might bring such bad impacts to your health. In
addition, you are to consider applying for online medical insurance.
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