Medical expenses insurance, things to know before signing up.

medical service insurance to return my hospital bills.

Medical practical insurance that guarantees swine flu and various diseases is gaining popularity. If you need to be careful, it is a long-term insurance that maintains a lifetime subscription of several years to 10 years or more once you sign up, so it is recommended to acquire accurate information and sign up carefully before signing up for medical expense insurance. This is because if you cancel your medical practice insurance in the middle, you will lose that much. When subscribing to medical actual insurance, it is important to make a wide range of designs with necessary guarantees, excluding unnecessary subscriptions. Should I check what I need to know before signing up for medical expenses insurance?

▶ Confirmation of compliance with the obligation to notify prior to contract.

You must comply with the obligation to notify before the medical practice insurance contract. When signing an insurance contract, the contractor and the insurance target must accurately write the "obligations to notify before the contract" (current illness, past medical history, and occupation type) described on the subscription form. If you don't fill it out correctly, the insurance company can exercise the right to terminate the contract, so you have to be careful.

▶ loss upon termination of insurance

If the medical actual cost insurance is terminated in the middle, the cancellation refund may be less than or not at all than the paid insurance premium. The reason is that the premium paid by the contractor is partially paid as insurance money of other subscribers who have been in an accident or used as expenses necessary for the company's contract signing and maintenance, so the remaining expenses are paid as cancellation refunds. That's why it's better to sign up carefully and take it with you by maturity.

▶ Information on the subscription withdrawal system.

You can use the subscription withdrawal system if a different contract is signed with the coverage you need after signing up for medical actual insurance. You can withdraw the subscription within 15 days from the date of subscription or the date of payment of the first insurance premium, so please be aware of it and take care of it when you are in an unfair situation. In this case, the insurance company is supposed to return the first premium within 3 days from the date of receipt of the withdrawal of the subscription, so please refer to it.

▶ Important Contract Content Notification.

You need to make sure that the insurance counselor explains the important details of the contract to the customer. After signing up for insurance, the contractor may cancel the contract within three months from the date of subscription if the insurance company does not sign the subscription in writing, or if the terms and conditions are not delivered, or if the important contents of the terms and conditions are not explained. It is important that the contractor himself knows a lot of information to eradicate unfair contracts.

▶ Things to know when remodeling insurance.

If you remodel your medical practice insurance, it is important to know that if you change to a new insurance or change the coverage, you should cancel the existing contract after the new contract takes effect to prevent the coverage gap. This is because diseases or disasters do not know when and where they will come, so there is a possibility that there will be a situation that can cause great damage even in a brief gap. If you sign up for a new insurance policy, you may experience an increase in paid insurance premiums compared to the previous insurance policy due to your old age and health condition, or you may be rejected, so it is a wise way to think carefully and make a decision.

▶ automatic insurance payment system function.

If you fail to pay insurance premiums due to poor household conditions while paying insurance premiums, you can maintain the contract by using an automatic insurance loan payment system. This is a good system because it can effectively cope with the situation of households by using such a system. Please note that if you apply for automatic loan payment of insurance premiums in writing until the maximum payment period (by the end of the next month of the month in which insurance premiums are paid), insurance premiums can be automatically borrowed within the insurance contract loan amount to continue the insurance contract.

I looked for good things to know before signing up for medical room insurance.

Please be aware that medical practice insurance is a concept of getting back the premium I paid, so there is no overlapping coverage between medical practice insurance. If you are considering to subscribe to medical actual cost insurance, you will be able to purchase insurance even if you understand the above.


For insurance, it is a wise way to compare each insurance company's actual medical insurance and then choose an insurance that suits you. insurance comparison site Through this, it is recommended to consult with a professional counselor about the pros and cons of two to three insurances for free and then sign up.


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