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5 Questions to Ask Before Buying a Medical Plan

16 April 2017

Wondering what questions to ask your life planner before settling for a medical protection plan? We lay it out in 5 questions.

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Selecting a health plan can be a confusing task with the different types of health protection plans in the market � not to mention the optional add-ons (also known as riders). All medical plans have one thing in common, which is to provide financial assistance for hospital admission, for surgeries or medical treatments.

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he simple answer is yes. Your medical plan covers the treatment cost of critical illnesses. However, the high cost of treatment can use up your entire medical coverage, leaving you with little to no coverage for future illnesses. This is where critical illness plans come in. A critical illness plan is a separate and independent policy from your medical plan. Check out our handy infographic for the difference between a medical and a critical illness plan.

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There are certain conditions that are not included in your medical plans, called major exclusions. A major exclusion can refer to a condition that a plan will not cover for, such as:

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One of the biggest misconceptions about medical protection plans is that you won�t have to pay a single cent for treatment and admission. While the former has been addressed in point 3, we now look into the latter: Why do I have to pay for my admission to hospitals with my medical plan?

References

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