Library of International Medical and Health Insurance Information and Resources

UNDERSTANDING INSURANCE

DEDUCTIBLE IS NOT A DIRTY WORD
INSURANCE WAIVERS/RIDERS, RATE-UPS, & CAPPED COVERAGE
WHAT'S A “RIDER”? WHAT'S A “WAIVER”?
PRE-EXISTING CONDITIONS
WHAT'S A “PRE-EXISTING CONDITION”?
EXCLUSIONS
WEIGHT, WEIGHT CHARTS AND HEALTH INSURANCE
AGE AND INSURANCE PREMIUM
UNDERWRITING - WHAT IS IT?
TRIP OR HEALTH INSURANCE -- WHAT'S THE DIFFERENCE?
AMERICAN PPOs & HMOs - WHAT'S THE DIFFERENCE?
HIPAA / PORTABILITY INSURANCE
THE DIFFERENCE BETWEEN AN INSURANCE BROKERAGE & AGENCY
WHAT IS A “CERTIFICATE OF INSURANCE”
THE “PRE-EXISTING CONDITION” PROBLEM?
WHAT IS CO-INSURANCE?
UNDERWRITING AT THE POINT OF APPLICATION
HOW DOES AN INSURANCE COMPANY DETERMINE PREEXISTING CONDITIONS?
WHAT TO DO WHEN THE WEIGHT CHART SAYS YOU AREN’T TALL ENOUGH? EXCLUSIONS

Most of us, when we look at an insurance policy, ask, "What is covered?" That's a good question. Another good question is, "What is excluded from coverage?" Sometimes by studying the “Exclusion” section you will quickly determine that the policy will not work for you.

I have listed a few of the 34 items on one company's “Exclusion” list that say a lot about the policy: Pre-existing conditions; dental examinations; expenses of normal pregnancy; care of a new born child; treatment of acne; treatment for mental, nervous or emotional conditions or sickness; and treatment of Substance Abuse.

Often the "Exclusion” list is printed in such a way (small print, no paragraphs, etc.) that it is not easily read. Yet it is important that you check it out. Remember the old insurance adage: “The large print giveth and the small print taketh away.” The originator of the adage must have been thinking about the “Exclusion” list.

Need Help? Call 480/813-9100; Fax 480/813-9930; Email: info@gninsurance.com

	INTERNATIONAL HEALTH INSURANCE

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