DO YOU COVER SENIOR CITIZENS HEALTH INSURANCE?

DO YOU COVER SENIOR CITIZENS HEALTH INSURANCE?

It is no secret: as you get older it is harder to take out health insurance. And when I say old I mean not to have 70 or 80 years. Having 60 or 65 years is already being very old for health insurance. In fact, if you've already reached that age it is very difficult to take out health insurance. Another thing is that already have contracted insurance for years. In that case, it is easier to get to renew it yourself, although it all depends on the features of your policy, antiquity, coverage’s, etc.

HEALTH INSURANCE COVERAGE

 For those older than 60 years

Some insurers not renew the policy when they reach a certain age, canceling it automatically. Age may vary: some cancelled it at 60 or 65 years, and some can reach up to 75. Therefore it is very important to keep this in mind when choosing health insurance, because when you're young you choose a cheap company (which are which usually cesar renewals before or further increase the premium with age) and then decide to change to another that extend you more renewal, even if you never get old, if you have a pre-existing condition won't get you ensure that.

On the other hand, from the age of 60, members meet some coverages to disappear. In some cases, can the company to reject the renewal of the policy. This may seem cruel and unfair at first, but something similar happens with life insurance. At the end, and after all, the risk increases with age.

One of the coverage that can disappear is hospitalization, including only the medical box. It also likely that only medical picture is offered with co-payment.

Separate issue is the issue of price. If it secures access to renew the policy, this can be increased in price over the years, and also increase the co-payment rates.

SPECIFIC HEALTH INSURANCE FOR THE ELDERLY

Some insurance companies have designed specific health policies for persons older than 60 years. This type of policy can be very interesting for people who do not renew them health insurance or want to hire one for the first time.

Health for senior insurance are more expensive, of course. However, to offer a very interesting feature: the medical box usually include supervision by a specialist in geriatrics. In terms of coverage, insurance often include access to the specialties most relevant to seniors, as well as diagnostic tests and surgery. In addition, they also tend to include coverage for hospitalization, which is subject to co-payment and includes a grace period.

The maximum age of these health insurance for the elderly is usually 80-year-old. In addition, from the 70 can be excluded or reduced certain coverages.

RELIANCE INSURANCE

Attention deserves consideration of insurance unit, a policy that only covers the costs caused by the loss or reduction of personal autonomy.