The Products of Health Insurance

The Products of Health Insurance

Health insurance provides the benefits for you and the family. In specific way, it can guarantee the health care of the customer and the insurance for the accident. The function of the health care insurance is covering the cost of the hospital. In particular, the definition of health insurance is a type of insurance product that guarantees health care or treatment of the participants of insurance if they are sick or get accident. In health insurance, there are two types of treatment offered by insurance companies, inpatient treatment and outpatient treatment.  

Some insurers bear the cost of the rooms the ICU accommodation, doctor consultation, the surgery, the outpatient, the inpatient, the homecare treatment, the ambulance service, the dialysis, and many more. Some insurers also provide facilitation costs for critical illnesses such as cancer, heart attack, strong, lungs, and so on. The health insurance products held by social insurance companies, life insurance companies, and  general insurance companies. Typically, the insurance company that organizes health insurance program will work with hospital providers. 

The cooperation can be directly or through the certain institution such as the assistant of hospital network management. Therefore preparing the protection in the form of insurance is able to keep the family settled down. Before buying the health insurance, it is important to know the products and the benefits given by the insurance company. There are several product of the health insurance, such as:

· Critical illness Product

The customers will get the sum assured in the same time in which the protecting diagnosed with the serious disease such as cancer. Or it can be claimed after the treatment or the surgery which is included in the policy provision.

· Disability protection products

The benefit for the disable patient is provided in the certain amount monthly as the losing income because the patient can’t work again due to the accident or the sickness. The protection can help the patient to estimate the amount of the claim.

·  Outpatient payment products

The payment for the outpatient provides the allowance as long as the customer need to be hospitalized or surgery.

·  Long-term medical care products

This product can pay a fix allowance every month for cost of long-term care, such as medical care or the cost of full-time nurses.

·  Medical cost product

The product by the health insurance provides the lost income during the hospitalized by paying the monthly allowance. In addition, the customer can get the daily allowance during the outpatient. This kind of insurance can cover the fund to pay the alternative treatment, replace the monthly income, and pay for the daily need.