Private Health Insurance

Private Health Insurance -- If you have a health fund, what to offer on your insurance and what kind of questions do you ask if you plan to take out private health insurance? For most pregnant women who have private health insurance, foundations become so difficult to answer a variety of questions that actually looks pretty easy to answer so many consumers are giving up to find out how they are supposed to get health insurance, and finally getting ready to get a surprise when it finally received a bill-bill.

Private Health Insurance

Some facts about the health funds:

• Since you are covered by private health insurance, many health funds require you to become a member of a health fund ¬ at least 12 months before you give birth.

• Funds paid just once when you start hospitalized. Routine pre-natal care is not covered.

• The hospital should be working with the contractors insurance, so make sure you have checked it before choosing the right hospital to give birth.

• Once you are recognized as a patient, usually the insurance company that pays all operating and maintenance costs, property, birth early, and intensive care as well as cost obstetricians and anesthesiologists, on condition that these specialists are doctors who filed by health insurers.

• If your doctor is not a member of a particular insurance then the insurance company will only pay according to the costs borne by the insurer. The surplus should be borne by your own. The amount of this difference can be huge. Please check this when choosing an obstetrician.

• Service which not covered by private health insurers is a medical procedure that is not necessary, no service records, emergency care, and high costs or experimental drugs.

• Expert content must account for insurance reimbursement; insurers do not bear this out. The replacement is usually recommended by the insurance company when you examine it along with the obstetrician.

• Private health insurance for spouses and families bear the entire condition of congenital disease; individual insurance but may not bear it, so be careful if you plan to be a single parent or if your insurance separately with your spouse.

• For outpatient costs are not covered. This fee includes the cost of doctor's son, as a baby is classified as outpatients who were in ward. Only when baby be patient then the insurance will pay for a pediatrician.

• The cost of outpatient care delivery not covered pasta-party insurers.

• other unforeseen costs may include ventouse or forceps which used gynecologist. This is a clear example of when it suddenly increased maintenance costs. I would not classify it as a medical procedure which is not necessary, but it is possible in certain insurance.

Skelter in mind, once you recorded as a patient public hospital or a private individual, you should not change your mind. I knew a woman which moved from public hospitals to private hospitals to get a private room. He first checked on the insurance company, which gave approval, but then refused to pay the bill. After six months of fighting, the insurance company finally changed the bill. Apparently the insurance company waited some new wisdom to pass this clarification.

Conclusion - expensive! For some women who want their preferred gynecologist present at the birth (of course not always guaranteed its presence), then some of the private health insurers is worth the cost. Others were deprived of their property insurance. Some women accept insurance like workers to be part of the package, and should automatically select the gynecologist regularly meet. It is important ask as many questions before signing the insurance company, so you can cope with the possibility of a variety of unexpected costs.