- Entitlement and access to public health care services
- Medical treatment: consent and withdrawal
- Advance Directives
- Taking care of a mentally incapacitated person: Guardianship or Committee
- Enduring Power of Attorney
- Elder abuse
- Medical negligence
- Medical insurance
- What is a medical insurance?
- Different types of medical insurance
- Common exclusions in medical insurance policies
- Utmost good faith
- Medical evidence requirements
- Important matters to consider before taking out your medical insurance policy
- Practical tips for disputing a medical claim denial by an insurance company
- The Insurance Claims Complaints Bureau
- Questions and answers
- Care by residential care homes for elderly persons
What is a medical insurance?
Medical insurance is insurance for individuals against the risk of incurring medical expenses. A medical insurance policy is, in essence, a written contract between an insurance company and an individual which insures against the risk of incurring the cost of medical treatment for illnesses or accidents. However, not all medical services and expenses are covered. Usually, there are coverage limits and exemption clauses in the policy.
Some medical insurance policiespay for medical expenses only up to a certain limit. The insured individuals are generally responsible for paying the full cost of non-covered medical services and expenses out of their own pockets. The policy should explain what is covered for a medical service, and how the indemnity amount and excess are determined.