You are diabetic and have recently developed renal complications that require in-patient care. You have health insurance coverage; so no worries about finances, you feel. Upon arrival at the hospital you are in for a big shock. Your health insurance policy does not cover complications of diabetes!
Given the fact that medical expenses at these times are so high, having a health plan is necessary to avert a financial disaster. However, health insurance coverage varies from company to company and among different health plans, so, it is better to be aware of all the pros and cons before you go in for a health insurance policy. (Read: 10 practical tips to choose the right health insurance)
Here are some questions you might want to ask your health insurance company –
1. Does your health insurance cover accident, outpatient treatment expenses, ambulance expenses, surgery, and maternity care?
Although most insurance companies cover surgeries and accidents, they don’t include outpatient treatment, ambulance expenses, and maternity Emergency carebenefits in the policy. So, it is better to find out if your insurance company covers these. Also remember to ask them how much coverage is given. For example, some companies may give you maternity benefits but they limit the coverage to a low percentage of your total insurance cover.
For the rest of the story: http://health.india.com/diseases-conditions/ten-questions-you-should-ask-your-health-insurance-company/