4 Things You Need to Know to Take Advantage of Your Health Insurance

Health insurance put a dent in your budget, especially during the first few months. The suffering extends when you have to go through long waiting periods before you can make your first claim. The insurance does not cover pre-existing conditions, which makes it all the more important to purchase health insurance at an early age.
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However, there are a few surprising ways to take full advantage of your health insurance when you seem to go on a full year without catching an illness. The coverage does not only cover lab tests. No matter the premium you purchase, you can save money and stay healthy.

Enjoying Healthy Perks
There are health insurance plans that offer classes or seminars regarding nutrition, fitness, or other health topics. The policy can also provide discounts for health and wellness services like gym memberships and massage therapy sessions.

If you need help with your habits like smoking, healthcare insurance can also offer discounts for quit-smoking coaches, support groups, or products. There are so many counseling sessions, educational seminars, and health products that you can have at a lower price with your health insurance. Choose the right plan to fit your medical needs.

Free Health Checkups
All healthcare insurance plans offer free medical checkups. While it may have its limits, the insurance gives its policyholder checkups and doctor consultations or visits for those who have four or five claim-free years. Visit a hospital that accepts your health card, and you will not pay a single penny for your checkups and medical emergencies.

Using Recovery Benefit
Some health insurance companies can cover the loss in income when you have to take a leave of absence from work due to hospitalization. You can claim at least 7 to 12 days of income loss using the recovery or convalescence benefit. Freshen up on the terms and conditions of the policy document to use this perk.

Get Your No-Claims Bonus
You would be eligible for a bonus if you did not file a claim for a year. The bonus can be about to 50 percent of the higher sum insured or a discount during the renewal. Insurance companies may also offer cumulative bonuses for all no-claim years.

There are a lot of ways you can take advantage of your health insurance. However, it remains essential to remember that your health comes first upon purchasing the insurance policy.

At Hayek Insurance, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (805) 496-8835. Get your free quote today by CLICKING HERE.