BEWARE OF PRIVATE INSURANCE COMPANIES

Can private health care insurance be an affordable health insurance today?

I am sorry to say this; mostly all private health care insurance policies are always bogus.  Through their cunning parlance and advertisement, they have been always cheating us. In much private health care insurance companies, first we will have to spend our money for our treatment.  Then we will have to reimburse the same with all original bills. This is one of the best ways and through which they have been cheating us.   In the beginning, when they try to trap us to make their health care insurance, they will not explain us what are all possible converges included with your policy and terms and conditions of policy in a perfect manner.  Company staff will certainly hide some important negative rules in there explanation.

Suppose if you want to make your health care policy for one year for particular assured sum, they will insist you to pay your entire premium for the same period at a stretch that is by one payment only. You cannot pay your premium once in three months or once in every month.  First they will emphasis you to pay your entire premium in the beginning itself for particular period. Then they will expect an opportunity to cheat you.

For example, after your treatment with your own cost, you may try to reimburse the same amount with all your original final bills. You may hand over all your original bills, related forms and application without any remark to them. But finally what they will do is they will cancel your reimbursement by mentioning any useless or flaw reasons.  This is their business.  So it is always better not to take private health care insurance. 

Finally one important thing which you have to mind always is, in your emergency, by making use of your insurance policy, you have to take treatment without spending even a single dollar or cent.   You have to just produce your identity card to the management of any hospital and then automatically they have to start treatment immediately without collecting even single cent from your pocket. If any insurance has been making such kind of easy health care treatment to you, you can believe that and that is the one and only best insurance policy.