Health Insurance

Health insurance acts as a financial buffer for your ability to cover unexpected medical costs. Essentially, your medical fees and health risks are transferred to the insurer, putting your mind at ease. Depending on your preference, there are a variety of plans to select from.

Depending on insurers, there are a variety of options to select from, ranging from total sum insured, room & board coverage, outpatient coverage, optical fees, dentistry fees, physiotherapy and many other options. Essentially, it allows you to have coverage in case you fall ill. While there are exclusions, as all insurance policies do, you never know in life with illnesses or accidents.

It can be a matter of life and death, and that should enough for you to consider getting health insurance. Ultimately, the comprehensiveness of the plan you select is up to your own discretion and inclination; however, it can provide a high sense of security for your benefit,

It can't be stressed enough that health insurance is for everyone. However, it should be noted that it can be more difficult to get as you get older as the risk of developing sickness increases with age. Even if insurance does accept you application, you run the risk of developing a pre-existing condition and in turn, result in further exclusions. In truth, most people want health insurance but put of paying for it until a certain hostpital expense feels avoidable with health insurance.

There are a number of factors that affect costs. Below are the main factors that insurers uses in order to determine premium:

• Claim history
• Plan limit
• Optional Coverage
• Deductibles
• Area of coverage

A more comprehensive plan is undoubtedly more expensive but there are also plenty of bang for the buck policies that can give you the ultimate peace of mind.

At CHAZ, we have a dedicated health claims team, who will always act in the best interest of you. Your interest is our interest and our experienced team will not only negotiate on your behalf if things go awry, but will coordinate with insurers and hospitals with whatever is needed to get the best possible outcome.