Please read your policy

One repeated statement we hear from the insured is, “I didn’t know that wasn’t covered on the policy.” This is why it’s important to read your policy! When we face a major medical difficulty it is discouraging to find that a medical condition is not covered on our insurance policy.

I don’t know of any insurance policy that covers “everything.” Insurance companies are very careful to state what they cover on the “Benefit Page” and what they do not cover on the “Exclusion Page” of their brochures. Although we may not like the exclusion page, it is one way insurance companies limit coverage on certain conditions and thus control premiums.

It is also important to note that most insurance plans in the same category cover basically the same things. When comparing plans that are similar, do not compare just the premiums, but also pay careful attention to the small differences in benefits. For example, one plan may have better maternity coverage. Also, if one plan has rates much lower than others, you can be assured that their benefits are not as rich as other comparable plans.

Above all, keep in mind that no insurance plan will cover all possible medical situations.

We work on keeping all information on this site relevant, and free from error.

The information and advice on this website was deemed accurate when it was originally published. GNI cannot accept any responsibility or liability for any actions taken on the basis of the information provided, unless that information is subsequently confirmed in writing. For the latest up-to-date information please call us or check brochures and other published materials for latest revision/date.