Look beyond the headline cover
A policy is a contract with specific definitions and conditions. Coverage limits, sub-limits, deductibles and co-payments can affect what is payable for a claim.
Read exclusions and waiting periods
Different policies may treat existing conditions and specific procedures differently. Always refer to current provider documents and disclose information accurately during the application.
Understand the claims process
Check cashless and reimbursement procedures, documentation requirements and support channels. Coverage is subject to underwriting and the final policy wording.
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