1. Know your claims procedure

You should always be aware of your insurer’s claims procedure. You might need to check with the insurance company if a particular treatment is covered by your policy. You might also need to get your doctor to fill up and sign off on a claims form. Some hospitals may also have agreements with your insurance company to get your medical bills paid directly by the insurer.

2. Be accurate when filling out your forms

Your policy may be terminated or cancelled if your insurance provider spots inaccuracies or important medical information that you intentionally left out (non-disclosures) when you first provided your information to them.

3. Buy your insurance from a licensed insurance agent or broker

You can purchase a medical insurance policy through a licensed insurance agent or broker. But make sure you do your homework carefully before making a decision. Don’t just rely on the advice of the insurance agent as they are trying to sell a product to you and make a commision from it.

Read our article on Practical Advice for more help and guidance.