No one plans to get sick or injured, but most people need medical attention at some time in their life. Major medical insurance covers these costs and offers many other important benefits.
It is important to mention that public hospital care or social protection in Mexico is very poor, so in most cases people opt for private hospital care, which raises the cost of the disease.
Imagine for a moment that one of your loved one is in the hospital because of a serious health problem, and for their treatment, it is imperative to cover the expenses of the hospital. What would you not do for that person? Would you even think of selling EVERYTHING? Emphasis is placed on the word everything, since it may even include what one does not have (loans, credit cards, etc.).
A major medical expenses policy is equivalent to paying a future loss, at a much lower cost than a hospital bill would represent.
- To take into account:
- Where you would like to be cared for in case of an accident or illness?
- Would you like to have the possibility to be treated abroad?
- Choose a high insured sum.
- Choose a comfortable deductible that you can pay.
- Co-insurance is a percentage that the insured must pay over the total of the account, once the deductible has been exceeded. Normally, 10% of this value is established. It is important to know that there is a co-insurance limit; no matter how high the hospital bill, you will not pay more than that limit.
Finally, look for a PROFESSIONAL ADVISER who offers follow-up and commitment to your case, as he or she will be in charge of guiding you and accompanying you in the necessary insurance procedures.
By Carolyn Herrera Cabrera
JHR Seguros
Calle 12 #189 between Calles 19 and 21
Colonia Mexico Oriente, Merida, Yucatan
Tel. (999) 920 1529
Cell (999) 127 2212
email jhrseguros@hotmail.com
