Perednik Healthy Life Info

Health insurance can be obtained in various ways. You may automatically get it as a child, a wife or because an employee at a company. You may also be insured by professional associations or societies. In other words, you get it without buying it sendiri.Karena, there is a possibility you overinsured or too many insured. For example, as an employee you get insurance from your place of work. However, as your wife also received a guarantee from the company where her husband worked. And they cover the health risks that may be the same.

If you are sick, can you use both?

Able. You can claim your medical expenses to the two insurance companies at once. However, in accordance with the principle of insurance in which customers receive only the maximum claim reimbursement for costs incurred, the two insurance firms will be to coordinate so that no double payment occurs. Mechanism in which the insurance companies to coordinate the claim is called COB (coordination of benefits).

In COB scheme, you simply make a claim to an insurance company, such as those from your office. The insurance company will calculate the cost according to your policy covers. If there are costs that are not on the cover because it exceeded the insurance limit or includes the policy exclusions, you can ask the insurance company to coordinate with the insurance company of her husband’s office. The first insurance company will send the original claim file to the second insurance company, accompanied by details of the number of claims that have been approved to be paid. The second insurance company will analyze the claims and pay the deficiency, according to the provisions of the policy benefits.

To facilitate the process of your claim, you should first notify the insurance company when filing a claim that you are also covered as a participant in the other insurance. Thus, since the beginning they have communicated with other parties such insurance if the amount of your claim exceeds the limit of your policy benefits.