If you think you do not need Health Insurance; then think again. The unpredictable nature of life is itself a valid reason to own a health insurance. Life is filled with risks. Wherever there is an element of risk, risk management is indispensable. Insurance is just a form of sensible risk management.
So, what is health insurance? To put it in simple terms, a health insurance policy is an agreement between an individual and an insurance company. The policy will include a host of benefits such as medical tests, medicinal drugs and other medical treatments. When an Insurance policy is issued by the company, then it implies the insurance company has agreed to cover the cost of a particular set of benefits listed in the policy, which are known as “covered services”.
So, when a particular service is not covered by the insurance company and you have it performed anyway, the insurance company “denies the claim.” In such a situation, the individual will be left with no other choice, but to pay for the service out of his own pocket. However, the policy holder has the right to challenge the insurance companys denial, by following the appeal...
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