The medical insurance

The choice of optimum type of the medical insurance is a challenge, as the list of services given by the insurance companies and so rather various, all time extends.

The basic types of insurance of the health, however only three:
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*?? Basic Medical Hospital Insurance
*?? Basic Medical Insurance
*?? Major Medical Insurance.

Basic Medical Hospital Insurance defrays your hospital expenses, and more often the insurance company establishes limits on duration of stay in hospital and for a total sum for treatment. Laws of states, however, regulate conditions of insurance contracts: in New York, for example, any company by granting Basic Hospital Insurance is obliged to compensate you expenses not less than for 60 days of continuous stay in hospital and to pay for this period at least 80 % of your hospital accounts. If such services aren't given to you, such insurance can be called only Limited Benefits Health Insurance.

Basic Medical Insurance serves for the reimbursement, the doctors bound to services, surgeons and anesthesiologists, including visits to doctors in hospital. Payments under this insurance also are limited on time and on the sum. Under laws of the State of New York, Basic Medical Insurance should cover not less four fifth reasonable charges on visits to doctors.
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Major Medical Insurance serves for a covering of additional expenses which arise in case of serious disease and fall outside the limits the basic hospital and medical insurance. Sometimes this insurance is offered separately, sometimes - together with the basic insurance. The size of indemnification paid to you depends on type of the insurance contract and from a company policy. Sometimes the contract assumes a covering of 100 % of your expenses, but is more often you should pay from the pocket and additional payments. Some insurance contracts assume payment of medical accounts only in the event that you have addressed for the help to the certain doctor or in the certain hospital which list has been in advance discussed in the contract (this rule usually doesn't extend on cases when you should address for urgent medical aid). Quite often the contract assumes full payment of medical accounts in case of treatment in in advance certain medical institution and partial payment of invoices in other cases.

It is necessary to mean also that the overwhelming majority of the insurance doesn't assume payment of your medical accounts caused by those diseases which have been diagnosed before signing of your insurance contract. On what the medical diagnosis but which have caused symptoms which should force to address the person for the corresponding help hasn't been made concern these diseases also. The medical expenses caused by such diseases, aren't paid by the insurance company or in general, or during certain time (usually two years).