• Availability of a license. Before signing up for the chosen health insurance program, it is imperative to check whether the selected organization has a license to provide this type of protection. In addition, it is desirable that it has been operating in the country’s insurance market for a long time.
• Ratings. It is also important to familiarize yourself with the ratings published by various publications. Among the important indicators are the level of payments, their size, the size of the guarantee fund, etc.
• Availability of a website. The company should have its own website and pages on social networks – this shows its openness, focus on customer requests and willingness to interact directly.
• Customer reviews. Ideally, it is advisable to get acquainted with the reviews of the chosen company.
• Study the contract. Before concluding it, you should pay attention to such provisions as the definition of an insured event, a list of risks and exceptions to them, the terms of payment, the amount of the deductible, etc.
• Pricing policy. The price of the policy should be average in the insurance market. Too low or, on the contrary, high cost of services should be alarming.

The insurance market has a large number of companies offering their services. It is not easy to make the right choice. Especially when it comes to health insurance. And here it is critical that the entire system works well. Using the criteria listed above, you can choose a reliable insurance company that will not let you down in a difficult moment.

What to look for when applying for health insurance

When taking out a life insurance contract, you just need to clarify some questions for yourself:

● in which clinics you will be able to receive medical care, and whether there are any restrictions
● in which territory the contract will be valid. Most reliable insurers guarantee coverage throughout the entire territory, but sometimes there are exceptions to the rule;
● whether laboratory tests are included in the package. They are not cheap nowadays, so you should take care of this in advance;
● when the contract comes into force. This point is especially important for programs that protect against accidents. A critical situation can happen to a person at any time, and you want to protect yourself from all problems.

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But sometimes it happens that a person gets sick, and the question of where to be treated and where to get the money for treatment arises urgently. By taking out such an insurance program, a citizen can no longer worry that unexpected troubles will make adjustments to his or her plans. They can continue to make loan payments, save for a home, etc. In other words, health insurance is a guarantee of financial support in a difficult situation.

Accident insurance

Practice shows that most of our citizens do not have the financial means to receive fast and high-quality medical care. Such programs allow their owners to receive high-quality medical care in a timely manner and protect themselves from unexpected large financial expenses associated with solving health problems.

Insured events in such packages include:

● appearance of malignant neoplasms;
● hemorrhagic and ischemic stroke;
● the need for coronary artery bypass grafting;
● disability of groups 1 and 2;
● various injuries;
● myocardial infarction;
● death due to an accident.

In all of these situations, the insurance company will pay the compensation stipulated in the contract.

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A health insurance policy allows you to have access to a wide variety of medical services, such as medical consultations, laboratory tests, examinations, and other procedures. With an insurance policy, you are guaranteed to receive medical care at the time you need it. Usually, insurance companies offer several types of policies, with different content and prices, for the whole family.

If you have health insurance, it guarantees certain financial protection. It prevents situations when you have to pay huge sums for medical services urgently, which helps you maintain financial stability and avoid unexpected crises.

In some cases, it provides regular medical examinations and preventive measures that help identify problems at an early stage and provide timely treatment.

Last but not least, health insurance is useful for maintaining psychological balance, because you have sufficient confidence that with a policy you will receive medical advice quickly and the disease will not progress to a more severe stage.

Private medical service is characterized by high quality of service: many leading clinics cooperate with insurance companies, there are no long queues, and each patient receives proper attention from qualified specialists.

In our company’s programs, medical insurance covers the costs of laboratory tests, consultations with the best doctors, diagnostic procedures, hospitalization and other medical services. This allows you to receive high-quality medical care exactly when you need it and without unnecessary stress.

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