Thursday, May 26, 2022

What to look for in a family medical cover

Considering just how important your health is, you may not be able to achieve a lot of things when you are ailing. With this in mind, getting a family medical cover for you and your family would be the best way to ensure that you and your family are protected. So why wait? A family medical cover is designed in a way that ensures that you and your family are able to have access to the very best medical facilities. Another benefit of having a family medical insurance is that it relieves the stress of wondering how and when you are going to have to settle the huge medical bills that one of your family members may have incurred.

The inpatient cover limit

This type of cover normally comes into place once one or any of the family members who are on the cover are admitted to hospital. It is considered to be one of the cheapest covers which are ordinarily relative to the amount of coverage that is going to be offered. It is also related to the premium or the cost of the cover. Having an inpatient cover will ensure that you have the right kind of care in terms of accommodation and treatment in any health facility that the insurance company you choose covers. However, when it comes to the bed charges, a portion of this cost is going to be paid off, net of the National Health Insurance Fund fees. Therefore, it is essential for you to make sure that all the necessary N.H.I.F payments are up to date. Doing this will ensure that you do not incur any additional charges.

The outpatient limit cover

This is the type of cover that caters to all the bills that may be incurred when family members seek medical treatment in a clinic or a hospital. This is the most commonly used cover considering that no admission is required even though it is found to a bit more expensive compared to the inpatient cover limit. However, an important point to note is that you cannot be able to buy this type of cover by itself. What this means is that for you to buy an outpatient limit cover, you need to first take up an inpatient cover limit. There are those insurance companies that may require that all the family members have the same kind of coverage limits. However, there are still those insurance companies that tend to leave it open for one to choose the limits that they want each of the family members to have. If there are some family members who you know may have a high predisposition to go to a hospital, due to a chronic or recurrent condition, then it would only be reasonable for you to get a higher inpatient limit for them.

The difference between an individual and a shared cover

When choosing a family medical cover, another critical point that you need to keep in mind is if you prefer to have either a separate limit or shared limits for the family. Even though share your limit kind of cover is normally cheaper compared to the separate limit one, it normally comes with its risks. One of the major risks is that a family member may end up utilizing the cover fully especially if they end up having a high medical bill. Therefore, as you weigh out your budget for the cover, also consider the level of risk you are exposed to should any family member fall ill.


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