4 mistakes are easy to make when buying health insurance, many Vietnamese people are suffering without knowing

Do not actively explore the appropriate insurance package

For beginners who want to buy insurance, most people just find out about the common insurance packages themselves, big insurance companies without actively comparing insurance packages together, about the rights and costs of packages. We often look to the advice of friends and relatives who have used insurance or advice from agents, so they are more likely to miss out on insurance packages with appropriate costs and benefits in line with their needs. me

In addition to the main benefits, each health insurance package also allows the selection of additional benefits with additional costs. On a small note, when buying health insurance, you should compare packages based on criteria: cost level, maximum reimbursement, treatment benefits, procedures for filing reimbursement. .

Need to distinguish health insurance and compulsory health insurance

Health insurance products are different from compulsory health insurance. Compulsory health insurance when going to medical examination and treatment must comply with the right route and follow the prescribed procedure. Health insurance can be treated in any hospital or clinic across the country, paid at actual cost but not exceeding the committed responsibility stated in the certificate of insurance.

Do not read the contract information carefully

Many people are quite subjective in reading contracts before signing. Or if you already have insurance, you should be confident that this contract is no different from the previous one (or believe that the same insurance will have similar benefits for 2 different companies), or simply are you lazy to read because of contracts . lots of words! This is a dark mistake because the terms of the insurance policy may change due to the company's policy, or the counselor does not advise you of 'small' information such as how to make a refund. , maximum time to receive reimbursement, non-insurance cases, .

Not all hospital costs are covered by the insurance package. So, if you don't read the contract, you won't know what you have to pay, which is covered by insurance. This mistake led to some customers claiming that they were cheated, while those terms were clearly mentioned in the contract that they did not care about.

Do not provide correct information about health status

You do not need to have a physical examination before you register. However, you will need to fully and accurately report the information of the buyer (the claimant or the policy holder when participating in the insurance), information about the insured and the health status of the person enjoy insurance.

This is the basis for the units to settle insurance benefits quickly and satisfactorily. If the information is incorrect, it will affect the benefits of using your own insurance.