I understand that the feeling of illness can't be claimed.

🗣:

I understand how hard it is to feel sick and stressed about the cost of treatment because "insurance does not pay" or "order to pay" is.

So that you do not have to fall into this state or if you find it, how to solve the problem? Elder Eh summarizes the key steps and principles as follows:

🛑 When "claim is not" or "reserve is required," what must be done?

If the hospital says that Fax Claim has not passed, don't panic. Follow this step:

1. Ask for a "clarification book" from the insurance company: Do not just accept a statement from the hospital staff, ask for a written reason to "refuse because of what condition," 🎯 contact the agent, or notify the agent every time you get sick.

• Spare Case: Most companies often ask for additional background checks (especially in the early years, chronic lesions), not to pay, but to check for sure.

2. Consult the doctor of the fever: When you know the reason, talk to the doctor about whether the condition is related to what the company claims, such as the company says it is a "pre-insurance disease," but the doctor confirms that this is a new disease, ask the doctor for a "Medical Summary" that clearly indicates the doctor's opinion.

3. Appeal: Send the doctor's opinion papers and examination evidence back to the insurer's insurer for reconsideration.

4. If you rely on the Office of Insurance Commission: If the insurer confirms the original word and we are confident that we are not guilty, you can make a complaint on the hotline 1186 for the intermediary to mediate.

🛡️ 3 Iron Principle, "How to make insurance, not to be poured?"

Protection is better than editing. If you don't want to see the events in the picture, you need to know these 3:

1. "Health History Statement" 100% Actual (Most Important!)

Don't believe an agent who says, "Don't tell me, it's okay," or "Hold it for two years, he'll protect himself." The truth is: If the company finds out that we're covering the records, he can terminate the contract immediately and not pay all claims.

Tip: What's the history? Tell them all. Let the company decide whether to "take," "exempt," or "add a pawn." This is definitely more comfortable than the claim.

2. Understand the Waiting Period

Health insurance is not a purchase. Available immediately:

• First 30 days: usually not claimed at all (except for accidents)

• First 120 days: Some chronic diseases, such as tumors, hemorrhoids, hernias, cataracts, cannot be cleared.

• The First Year: If a major disease claim is made, the company will often provide a "reserve pay" to trace if it was before.

3. Czech "exception" in the policy

Read the section written "Non-Protection," such as:

• General medical examination (not caused by illness)

• Beauty or acne treatment

• Congenital genetic diseases

📊 Summary of what to have before you go to the hospital.

A trusted agent helps coordinate with the company and the hospital in times of trouble.

Understanding the insurance plan, knowing how much room we're worth, is there a Deductible?

Emergency reserve in case of reserve (history not cleared)

Having health insurance is a "comfort" purchase, but that comfort can only be achieved if we are "honest in providing information" and "understand the conditions" from the first day of signing the contract.

Good insurance. Start with a consultant you can actually contact.

🥰 illness shouldn't hurt about claims. - Elder Eh, take care of it.

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# Health # Health insurance