you twisted your knee playing tennis. It appeared to recover but now it turns out that you have a torn cruciate ligament and it needs to be operated on. Your medical insurance company could argue that the ligament damage was a pre-existing condition and you have to pay for the operation. Some insurers try to accommodate these grey areas with a moratorium provision within your policy. These provisions typically say that so long as you have been symptom free for two years relating to any condition you've suffered from within the last 5 years, they will pay for subsequent treatment. Not all policies have these moratorium provisions and the time periods do vary between insurers. You should carefully read your policy. Sorry û its not covered Medical Insurance is an annual contract û just like your car insurance. So when it comes to renewal, your insurer is at liberty to review not only your premium but also change the conditions on which your cover is provided. Therefore, if your policy comes up for renewal mid way through a course of treatment, it's possible to find that your new policy no longer covers that particular treatment. This means that you will have to foot the bill for the balance of the treatment. Furthermore, with ongoing advances in medical research, more and more conditions are becoming treatable. This progress has the effect of shifting back the dividing line between chronic and acute conditions. This hits the insurers' pocket in two ways. With more conditions being reclassified as acute, the number of claims is increasing. And there's also a trend for new treatments to cost more û Herceptin being a good example. The net result is that the insurers are finding themselves having to pay out far more. This is inevitably passed back to you through increased renewal premiums. And in an attempt to reduce their risk exposure, insurers have a tendency to adjust their definitions and exclusions. This means that you must read your renewal notice closely before you decide to renew. So if you're tempted to buy Medical Insurance, be aware that everything is not always black and white. If you've got insurance and need treatment, you're well advised to contact your insurer without delay and get them to confirm that they will meet the cost of your proposed treatment. Title: Medical Insurance Rate - Why Does It Change And How Is It Decided? Word Count: 266 Summary: Are you shopping for health insurance? Are you looking for the best rates? Are you totally confused?
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Jackeline Beaggi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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Jackeline Beaggi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Jackeline Beaggi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Jackeline Beaggi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Jackeline Beaggi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Jackeline Beaggi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Jackeline Beaggi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Jackeline Beaggi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs.
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