health insurance just seen a big change happens. Health Insurance Portability was introduced. Portability of health insurance allows a person to another health insurance without having to migrate to the benefits. But why is it considered such an important thing and why he is seen as an important site?
Why do you need portability you
If you are dissatisfied with your insurance company – reasons for dissatisfaction may be many things, and you had trouble in the claims, the Do not get renewal notices you do not get political documents for renewal or you need any assistance in getting required. You would want the insurance company for better services
ändernSie is transferred – if you can to an area where your current insurance company does not have a network or service not to move within range, you change your health insurance <. br />
you can for diseases to be excluded in your current policy – every insurance company has an exclusion list.
Job Exchange – If you are changing your job, and offered only the employees health insurance, you were left without health insurance. Now measure allows relocation of individual health insurance coverage from a group and also keep the continuity of use in this case, the applicable regulations of the individual policy without any additional benefits you may have enjoyed in the Group Policy to be.
Political Renewal Age -. You may want to another insurance company that offers a higher age than non-renewal or renewal of a cap on the age
change for a better coverage to other functions – you may want to change the health insurance company for better opportunities for specific features such as room rent capping, ambulance fees, or daily cash availability, etc.
While getting used to if you had to change the health insurance is the only option was to buy a new policy and go through all the windows periods and waiting times. Now, with many of the advantages of portability, won in existing health policy to be carried out on the new policy.
The length of time you were insured by the insurer will take into account, migration can be made.
advantages of portability :
window-period of the new Insurance (30 to 180 days, as may be after the policy) is off. Waived
For the pre-existing condition waiting period is considered to have been insured.
For certain diseases to the first year is excluded, the duration you have been insured considered.
The insurance coverage over time with increases of health insurance is defined as the sum insured by the new insurer accepted.
You may have reasons that you want to change your medical insurance provider and portability, it has most of the major benefits to be transferred. But you need to take care of certain things, because this time you can not get a clear view to take time. Compare your current policy with the others on the market and weigh them before you make the decision.