Health Insurance Daily Blog

If you are living within the Philippines and you desire to have your health covered, check out Ehealth Philippines’ website. In here, you could choose among the leading insurance companies in the country, such as GSIS Life Insurance, Philam Group of Companies, First Filipinas Insurance Brokers Corporation, Ayala Life Assurance, Inc., Prudential Plans, Inc., and Philhealth. Aside from these, you could also learn more about the latest updates on health in the News and Advisories section. If you are looking for a health service, click the Directories. If you want to know more about health in the Philippines, browse the other categories for quality information.

Saudi Arabia’s Ministry of Health plans to launch a compulsory health insurance program for workers. This includes medical treatment and repatriation of a deceased worker’s remains. This is being implemented in accordance to their policy to provide health care services to citizens and expatriates alike. According to Health Minister Dr. Hamad Al-Manie, they have already appointed 986 government-owned medical clinics, hospitals, primary health care centers and pharmacies to treat patients insured under this scheme. Medical centers approved uneder the new insurance scheme will have qualified medics, paramedics and equipment. He also said that the ministry considers a premium of SR 1,200 for older workers.

by : Cielo P.

Health insurance is also available to our baby and kids alike. When our little bundle of joy comes into this world, the first wise thing that should come into our mind is to get health insurance coverage for our little ones. You will most likely want to add your child to your current health insurance policy so that the precious little one is covered as well. If you are considering in getting a health insurance for your baby, consider this:

1) Check for the inclusions – confirm that the delivery and new baby care are covered,
2) verify that well-baby visits, check ups and immunizations are covered,
3) If you have a preference for a physician / pediatrician for your child, make sure that this physician is part of your health plan’s network (if HMO, PPO or POS).
4) If in case there is a need for specialist, verify if this is also included.

(image source : coconino.az.gov)

by : Cielo P.

Having mentioned three of the different types of insurance, there still a lot of this that a person can choose according to his needs. Like the Long-term policy, wherein it covers the nursing, medical and some certain in-home care. It benefits people with extended illness or disability that are unable to care for themselves. Next is the Disability Income Insurance, wherein it provides you with an income if an injury or illness happens and that it prevents you from working. Third is the Dental Insurance, wherein it provides benefits for any dental needs that a person requires. It’s either a reimbursable type or goes to the accredited dentist specified in the insurance. And lastly, the Vision insurance, wherein it covers eye exams, percentage cost of eye glasses and laser corrective surgery. With the many types, we must always put in mind what we really need before choosing insurance.

(image source : allaccess-insurance.com)

by : Cielo P.

When the term health insurance is mentioned, we refer to the plans that usually cover hospital cost, doctor fee and sometimes surgery cost. Besides from the just the term, there are variety of insurance policy that covers the fees and specific needs of a person, example of this is dental coverage or long-term care. Payment of the insurance or better knows as premiums also vary from the policy chosen. This premiums are monthly or quarterly payments done which is not counted as deductibles. If one is employed Health Insurance are available or given by the company. But the coverage of this vary from the chosen plan by the company, sometimes not all are covered. SO it sometimes better to have a personal policy beside from the company.

(image source : tomkatsisinsurance.com)

BY : Cielo P.

Insurance of teacher’s before was fully paid by the government or state they are working. But due to the increasing cost of this and strained school budgets, lawmakers and government are asking for teachers to pay portion of the insurance or join the state employee health plan. While Union Leaders believed in full payment for health cares by employers, they recognize that the current state situation pressures the teachers to share portion of the cost. Some of this Union Leaders don’t oppose to the concept but only questions the particulars of the how it would work. Negotiations are still on process for the exact percentage contribution of teachers, but at some state teachers are already paying at least 15-20 percent for health care.

by : Cielo P.

There are other types of policy or insurance besides the basic ones. First is the Hospital-surgical policies, commonly know as the “basic” insurance. This plan gives benefit when there is a specific condition that needs to be hospitalized. Included in this benefit is the rooms, some hospital services, x-ray and lab expenses. But at some state, this is not available. Second is the Hospital Indemnity Insurance, wherein this policy pays a specified amount of cash benefits for the number of days you are hospitalized, but has designated number of days. The payment is directly given to the person and can be use for any other purpose. Third is the Specified or Dread-disease policy, wherein the benefits provided cover a specific disease or illness of a person like diabetes or cancer care. This is just a few types of policy available to cater to a person needs.

(image source : punjabkesari.com)

by : Cielo P.

Cosmetic Surgery – is a type of plastic surgery which is an elective procedure that is performed to enhanced body parts and appearance through surgical and medical techniques.

Reconstructive Surgery – is a type of plastic surgery performed to reshape abnormal structures of the body to improve function and appearance.

Unlike reconstructive surgery, cosmetic surgery is not covered by health insurance. As far as insurance is concerned, there is finely a thin line between the two. It is better understood through an example. For instance, an eyelid surgery, a procedure usually classified as cosmetic surgery may be covered by health insurance if it is done reconstructive to rectify drooling eyelids which is impairing the vision of the client. Likewise, a face lift may be considered medically necessary when there is functional impairment that cannot be corrected without surgery.

In other words, plastic surgery done which are considered to be medically necessary will be covered by health insurance

(image source : www.wpclipart.com/medical/)