Health Cover
Waiting periods are the part of health cover nobody reads
A health policy that is active is not necessarily a health policy that will pay. The gap is measured in months.
Idrees Nawaz
Health cover writer, Insured and Ready
Idrees writes about health policies, waiting periods and the gap between a schedule of benefits and a bill.
Contact Idrees through our contact page — mark your message for their attention and it will be passed on.
13 articles
Health Cover
Outpatient cover is where two health policies stop being comparable
Inpatient benefits look similar across the market. The outpatient limit is where the price difference actually lives.
Health Cover
Excess, co-payment and co-insurance are three different bills
Health policies share cost with you in three distinct ways, and a quote can be cheap because it uses all three at once.
Health Cover
What happens to health cover when you leave the employer that bought it
Company medical schemes end with employment, and the individual policy offered afterwards is not automatically the same cover.
Health Cover
What a health insurer can see in your medical records
At a significant claim, the insurer will usually ask for records rather than take your word. Knowing what that reveals changes how…
Making a Claim
Risk pooling: your premium is mostly other people's claims
Insurance is not a savings account with your name on it. Understanding what it actually is changes what it is reasonable to expect…
Making a Claim
Betterment: why the insurer deducts for the improvement
When a repair leaves you with something better than you had, insurers often ask you to contribute the difference, and the request…
Making a Claim
Proof of ownership is the evidence nobody collects in advance
At a claim you are asked to prove that things existed, what they were and what they were worth. Almost nobody can, and it is…
Health Cover
Maternity is the gap almost every health policy keeps open
Private medical cover is built around sudden and unforeseen events. A planned pregnancy is neither, and the wording says so.
Health Cover
The deferred-treatment option: cover that waits for the public queue
Some health policies pay only if the state system cannot treat you promptly. The discount is real and so is the catch.
Health Cover
Diagnosis and treatment are two different promises in a health policy
Many policies pay generously once a condition is named and very little while it is being identified. The gap sits exactly where you…
Making a Claim
Late notification breaches a condition even when the loss is genuine
Every policy requires a claim to be reported within a stated time. Delay damages the evidence, and insurers treat it accordingly.
Making a Claim
Exaggerating a genuine claim can cost you the genuine part
Adding a little to an honest loss feels harmless. In much of the world it converts a payable claim into a forfeited one.