No one expects to get hurt or sick, but all people may need medical care sooner or later.

Standard life health insurance works by covering medical costs involved while offering other great benefits such as:

  • Covering health benefits important for maintaining people’s health and treating different conditions;
  • Providing preventative care, including screenings, vaccines, and check-ups;
  • Paying less for the covered in-network medical care.

Health insurance covers a number of treatments, surgery, and tests if people are injured or sick during the term of their policies.

In most cases, it’s designed for acute conditions that are short-term and curable.

What does this insurance cover?

  • Out-patient care (diagnoses, consultations, and treatment without staying in hospitals overnight);
  • In-patient care (staying in hospitals for surgery or different tests);
  • Day patient care (regular appointments without staying overnight).

Comprehensive health insurance tends to be more expensive, and it covers more treatment types, while cheaper policies are associated with lower premiums and cover less.

Some insurance providers let customers choose what is covered from different options, including:

  • Psychiatric treatment;
  • Physiotherapy;
  • Optical appointments;
  • Treatment of such diseases as cancer.

All health insurance policies have varying exclusions and limits, but most of them don’t cover the following:

    • Fertility treatment or cosmetic surgery;
    • Chronic conditions (HIV) that include ongoing treatment for incurable or long-term diseases;
    • Drug abuse treatment or rehabilitation;
    • Emergency treatment;
    • Pre-existing medical conditions.

Finally, health insurance comes with certain limits on how much people can claim.

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