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As Kids Grow Older, Egalitarianism Honed
A study in Nature shows that egalitarianism begins to appear in most kids between ages 3 and 8. Scientists who studied 229 Swiss children found that at age 3, 9 percent were willing to share candy with another person. But by age 8, that number rose to 45 percent.
Medication Error Death Rate Up 500 Percent
Painkillers, sleeping pills and anti-anxiety drugs are being prescribed to out-patients in high doses, without the oversight of a doctor. A new study found that in the last 20 years there has been a 500 percent increase in the death rate from medication errors made at home.
Breast Exam Rebuttal: 'An Exam Saved Me'
Last week we reported on a study that showed that self breast exams don't help prevent death from breast cancer in women. The interview generated quite a response from listeners. Several women wrote in to say that they had found cancerous lumps in their own breasts and wouldn't be alive today if not for breast self exams.
A Partisan Divide On Health Care Reform
While both John McCain and Barack Obama agree that the American health care system needs reform, the candidates differ markedly in their vision of the remedy. Political scientist Jonathan Oberlander offers an in-depth comparison of the candidates' proposals.
Web Sites Compare How Hospitals Measure Up
A new Web site called "Hospital Compare" evaluates hospital death rates around the country and shows how individual hospitals stack up against the national average. Guests discuss the reliability of the data on the site and describe the measures hospitals are taking to improve performance.
Doctors Fear Effects Of Illegal Immigrant's Arrest
The recent arrest of a popular woman who happens to be an illegal immigrant has some North Carolina doctors concerned. The woman's immigration status apparently was turned over to authorities after she received medical care. Doctors worry that illegal immigrants will be afraid to seek care, which might lead to public health problems.
Moo North: Cows Sense Earth's Magnetism
A team of researchers sorting through satellite images of cows in 300 pastures makes a surprising discovery: Cows tend to face either magnetic north or south when grazing or resting.
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| Medical Billing Articles (updated Frequently)
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| Comprehensive Major Medical Insurance covers the increasing hospitalization charges |
| By: Jakob Jelling |
Comprehensive major medical insurance is an insurance scheme
with a low deductible and a maximum coverage limits including
inpatient care, outpatient care, x-rays, laboratory tests, and
diagnostic office. The comprehensive major medical insurance is
designed to soothe the financial crisis caused due to the
increasing hospitalization charges. The policy offers a
coinsurance provision, which mingles the basic coverage with all
the other major medical coverage.
There are several benefits of taking a comprehensive major
medical insurance policy. Some of the major benefits include:
High Sum Assured
The comprehensive major medical insurance policy will cover a
major portion of the hospitalization charges incurred by the
insured. This helps the insured not to worry about his
hospitalization charges.
Pre-admission diagnosis expenses
The comprehensive major medical insurance policy covers the fees
paid to a medical specialist for laboratory examinations,
diagnosis and x-rays. The reimbursement will be paid only if the
examinations are conducted on the recommendation of a qualified
medical practitioner for the assessment of an injury or illness.
The insured will only get the reimbursement if he/she is later
hospitalized for treatment.
Outpatient expenses for kidney dialysis treatment or cancer
The policy also provides reimbursement for any outpatient
expenses incurred for the insured for kidney dialysis or cancer
treatment (chemotherapy and radiotherapy).
None Social Medical System reimbursement
Some insurance companies provide reimbursement of more than 75%
of the expenses incurred. This includes those medicinal drugs
which are out of the coverage of Social Medical System.
Ambulance fees
The comprehensive major medical insurance also covers the
expenses incurred for an insured for his/her local ambulance
transportation due to illness.
No claim bonus
Most of the insurance companies offer a no-claim bonus. That is,
if the insured does not make any claims during a year, his
annual payment limit will be increase by 6% in the next renewal
year.
Nowadays there are several insurance providers offering online
comprehensive major medical insurance policy. This is considered
as an added advantage for those looking for comprehensive major
medical insurance. This helps the customers to access online
insurance quotes to know more about the premium and coverage
plans offered by different insurance companies so that he can
easily find out the most affordable package for his needs.
There are lots of insurance companies offering comprehensive
major medical insurance. So it is the risk of the customer to
select an ideal one which suits him the best. Various
comprehensive major medical insurance follows different schemes
and hence the payable amount varies a lot. Hence before sticking
into any policy it is better from your part to select those
insurance providers who offer a maximum benefit ceiling. After
all there is no point in having a comprehensive major medical
expense insurance that leaves unnecessary burden on the
customer. It is all about thinking rationally, the thought
process backed by sound research and market study, and using
your discerning ability to maximum use.
About the author:
Jakob Jelling is the founder of Cashbazar.com. Please visit
http://www.cashbazar.com/insurance.shtml to get an overview of
the most important insurances.
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| Keywords: Medical Claim Medical Claim, claim, medical insurance policy, major medical insurance, medical insurance, medical, no-claim, major medical, comprehensive major medical, social medical |
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