Contents:
- Medical Video: Will ICD-10 Replace CPT or HCPCS Procedure Coding?
- What is that pre-existing condition?
- Existing disease
- The cause of the disease that is known or known
- How to register for health insurance if there are certain conditions?
- Collect data from several insurance companies
- Deliver information honestly
- Follow the procedure medical check-up
Medical Video: Will ICD-10 Replace CPT or HCPCS Procedure Coding?
Registering health insurance is ideally carried out when healthy, not when it has been attacked by certain diseases. However, if you have just applied for insurance when you have or have had a special disease, the procedure is quite different. Usually, a condition called pre-existing condition this can provide additional challenges in insurance applications. To minimize the process, there are various tips that can be done to register insurance with pre existing condition.
What is that pre-existing condition?
In health insurance, a term known as pre-existing condition. Pre-existing condition is a condition where you have been diagnosed or have a history of certain illnesses when you enroll in insurance. There are two conditions that are meant by pre-existing condition that is:.
Existing disease
This condition indicates that you already have a history of certain diseases before becoming a participant in health insurance.
The cause of the disease that is known or known
While the causes of the disease are referred to in pre-existing condition are factors that influence the onset of a disease or symptoms that trigger certain diseases.
For example, you already have health problems with symptoms such as shortness of breath, chest pain, and cold sweat that refers to heart disease before becoming an insurance participant.
How to register for health insurance if there are certain conditions?
If someone already has a certain health condition, usually insurance companies can still accept you as a customer with several conditions.
Generally, these requirements are slightly different, for example, adding the amount of premiums paid to the costs of the disease pre-existing condition if at any time it reappears.
The insurance company will set a waiting period before the protection takes effect. So that replacement claims will only be given after the waiting period has ended.
To facilitate the insurance application process when you have a history of certain diseases, there are a number of things you can do, namely:
Collect data from several insurance companies
If you have or have had a particular serious illness, it will be difficult to apply for health insurance. Because, not all health insurance can accept your health condition.
Therefore, you need to collect various data from many insurance companies regarding the facilities that you can get plus various related procedures.
Look for an insurance company that can provide you with great benefits with your current health condition.
Deliver information honestly
One of the main requirements in registering health insurance is data honesty. Because, if you submit and write data that is not true, the insurance party has the right to cancel the claim from the policy holder.
If so, you can lose because insurance cannot return the premium you have paid to the insurance company.
Be open when talking to insurance agents. Believe that he will help you to help propose the required insurance according to your health problems.
Answer each question in detail. For example, the date of diagnosis, treatment that has been done, medication, and lab results from previous examinations.
Also, make sure you always fill out the Life Insurance Application (SPAJ) or Health Insurance Application Letter (SPAK) honestly. The point, to prevent you from the problem of rejection of claims in the future.
Follow the procedure medical check-up
Just because you are worried that the insurance company will refuse submission, do not let you miss the procedure medical check-up. With a comprehensive health test, the company can know for sure your health condition.
If your health condition is known with certainty and detail, the company can adjust the policies and design costs that you need to pay. Conversely, the less information about your health, the more costs will be charged to offset future health risks.
If you have found a suitable and trusted insurance company, follow the various terms and conditions provided. Be sure to understand it well and don't hesitate to ask if there are things you don't understand.
This is done to prevent misunderstandings that will harm you later.
