When it comes to hiring any type of insurance, the information is basic to choose the right option. Sometimes the terms used and exclusions can end up making the person dizzy, so it will always be better to ask and understand well what it is, especially when it will ensure its health against something as harmful as cancer.
Insurance companies are required to answer all your questions, without forcing you to sign any contract without first knowing everything. Here are five questions that will give you a clearer vision of what cancer insurance implies.
How long is the grace period?
The normal duration is three months, but it is better to make sure how much will be in your insurer. Remember that during this period you still cannot use insurance and that you cannot use it to treat illnesses that arose during this time.
What is the position against pre-existing diseases?
Most cancer insurance has a very strict policy regarding pre-existing diseases and does not treat them, so getting informed about this point is key.
Can I access treatments abroad?
Not only if overseas treatments are covered, but also what other expenses may arise there.
Can I access all kinds of medications?
This is a point where many are uninformed, since they did not read the conditions of the insurer. They may only cover classic drugs and not the latest generation, or some other related class. Ideally, your insurance covers all types of medications.
What does my insurance NOT cover?
Finding out about exclusions is basic, as they will explain in which cases your insurance will not apply. Even when the coverage is unlimited, it is better to be sure of the exclusions that apply in those cases.
Not all insurance have the same conditions, it is best to answer all your questions before making a decision. Also, use web tools that allow you to compare the different insurances.