This reality makes more sense if it fits in the case of health insurance , where transparency between the two sides is an essential requirement when signing a contract fair and honest to post prevent problems and misunderstandings are generated.
This because we affect more than once insurer-client relationship has become a " soap opera" that would leave the bitumen Pimpernel discussions. The lack of prior information on both sides is often the cause of problems. If the couple arguing singers because of his jealousy and betrayal, in the case of health insurance, sometimes the protagonists are the preexistences and shortcomings . So let's shed light on them.
Pre-existing conditions
Customer Lord: If you are going to purchase medical insurance is necessary ( in addition to ethical) to inform the insurer if there are any pre - existence - preexistente- disease , one that has arisen before the date of contracting the policy and already he has been diagnosed. A necessary ethical ... and obligatory gesture by law, since the borrower has the legal obligation to declare their preexistences the insurer in case it asks. The trap also has little sign of work, as the law entitles the insurer will not pay compensation to a customer if it is shown that there has been concealment.
Naturally, the state of health of the insured included in the policy is essential when signing the contract, since the treatment of certain diseases or conditions can be a high cost to the insurance company could translate into premium increase ... or even a refusal to hire. So with the cards on the table, it is easier to reach an equitable agreement.
General insurance companies believe that a disease is existing in three cases: when it has been diagnosed and certified by a doctor, when given such symptoms that the patient has become aware of its existence and when has resulted in the payment of medical expenses. These three options are not mutually exclusive but complementary.
In addition it should be clear that " the police are not stupid" . Some insurers choose to conduct a medical examination for prospective customers to know their health status, while others simply deliver a questionnaire to them for the same purpose. In the first case , companies are put in the hands of science; in the second ... faith, giving credence to the word of his client.
Either way, the goal is to make it very clear the existence of pre - existing diseases subscription contract , as customers should know exactly the price of insurance and what are coverages offered. Insurers seek to know the possibility of an extra strong investment in case you need to take care of medical expenses that can lead to treat a preexisting disease, while customers should know whether the company includes preexistences in your offer and if so which would cover and what the extra amount would pay for them.
There is a common reason for conflict with one another: the coverage of preexisting conditions that have gone unnoticed by the user (and therefore for the insurance) before signing the contract. The resolution of this issue should also be very clear prior to signature. If anything is better than the cards are face up before, because in case of deliberate deception for example, concealment of a disease previously the user is exposed to a denial of coverage, including the cancellation of the policy by the company.
The grace period
You also have to talk about another important term when we talk about health insurance: the grace period , a clause that health insurance companies sometimes include in your contract with a similar objective: to defend their interests before the existence of medical procedures or interventions , etc. previously known by the insured.
It is a certain time during which the insured is not entitled to certain benefits by insurance, such as a pregnancy. Once it which usually lasts between three months and a year-clients you can benefit from all coverages completed without major problems. Therefore the policyholder, before deciding to sign, must inquire whether the insurer establishes a grace period.
I must say that not all insurance companies include coverage for pre - existing conditions. Others do, although it should be noted that the premium of insurance usually rise significantly. Either way, count or not with previous pathologies, we make known to the company all the details before signing the policy.