Health insurance is one type of
insurance products that specifically guarantee the cost of health care or the
care of the insurance customers if they are experiencing health problems or
accidents. Broadly speaking there are two types of treatments offered by
insurance companies, the outpatient and inpatient.
Outpatient
Outpatient insurance covers doctors'
fees, diagnostic / lab, and medicine. The costs incurred are usually determined
by the maximum limit for each component per visit / per year and a maximum
frequency of visits in one year. Restrictions can also be enforced by requiring
GP referral before a visit to a specialist, or coverage only given when health
services performed by the service providers listed. Outpatient insurance is
usually only an additional benefit of hospitalization insurance. In other
words, should be the one with the hospitalization insurance.
Inpatient
Hospitalization insurance covers the
cost of inpatient care in hospitals, which include the cost of the room,
physician services, drugs, laboratory / diagnostic, surgery, etc.
Hospitalization insurance classification is usually done by the class room.
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