In the section, managing medical expense we talk about managing medical expenses and some of the things you need to consider with your planning around medical expenses.
Here we are going to discuss the specifics of medical insurance covers.
In general terms, there are 6 areas of medical expenses for insurance to consider.
- Emergency medicine
- GP & Prescription costs
- Dental & Optical costs
- Medical Specialists & Diagnostic Testing
- Hospitalisation, surgical & non-surgical
- Medical treatment & costs incurred while traveling
Getting clear advice around your situation, so you have the right policy and provider for your needs is important. Yes most polices are very similar, but some are better suited to you than others for your situation or medical conditions. I've seen one provider offer 6 exclusions and another offer just one exclusion for the same client, the other 5 not seen as an issue and are covered by the policy.
It pays to get advice; it does make a difference, which is where we can help you.