Monday, November 16, 2009

What Should a Best Health Insurance Policy Cover?

An insurance policy is very significant for anybody these days since these policies ensure that your hospital bills are paid for you. There are many policies in the market out of which some policies are better than the other.

The best health insurance policy you choose should cover a large amount of the total payable amount. The co payment that you will need to pay depends on factors like your premium, your age and your medical history. Ideally a good health insurance policy cover should pay at least 60% of the total bill amount for a reasonable premium every year. The premium you pay will also depend on your age and medical history. If you have heart problems, high cholesterol, high blood pressure or other health problems then you will have to pay a high premium.

A good health insurance policy cover should have an affordable premium and many benefits. If you are looking for a cheap policy then you may need to get in touch with the insurance company directly so that they can work out an installment plan for you. It is recommended to compare prices and benefits offered by at least 3 health insurance companies before making a decision.
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