Even if you plan every minute of your day, you may encounter unexpected surprises. Sudden health problems can disrupt all your plans. Therefore, taking precautions and being prepared for such undesirable situations that life may encounter can provide you with many advantages. Private health insurance is one of the precautions you can take for these bad surprises.
When it comes to health-related expenses private health insurance It offers a significant financial security to the person. Thanks to private health insurance, you can be examined or treated at private hospitals that your insurance company has a contract with, without worrying about your budget. However, in order to use private health insurance when you need it, you need to start your insurance before a health problem occurs.
When Does Private Health Insurance Start?
Health insurance starts when you pay your first premium. If you make your premium payments regularly, you can benefit from the coverage in your policy without interruption. However, when your policy expires, you can renew your coverage by rearranging it, and in this way, you can continue to benefit from the opportunities offered by private health insurance. However, some services you receive may be subject to a waiting period.
When you take out private health insurance, you can start using the health services that are usually offered with outpatient coverage. There is no waiting period for services such as examinations, analyzes and tests that do not require hospitalization. On the other hand, although it varies according to insurance companies, a waiting period may be applied for some diseases or situations that require surgery.
What is the Waiting Period in Private Health Insurance?
Special insuranceoffers many coverages that ensure your health. Outpatient and inpatient treatment coverages ensure that the costs of all health services you receive are covered by private health insurance. However, the factor to be considered at this point is the waiting time. In line with the information in the policy, a waiting period is applied in order for you to start benefiting from private health insurance.
The waiting period is the period of time that is applied for certain diseases and must pass before these diseases are included in the policy. In other words, some diseases and treatments are excluded for a certain period of time and their costs are not covered during this period. Generally, insurance companies apply the waiting period as 1 year. However, the waiting period is mostly for diseases and treatments that are covered by inpatient treatment.
Diseases with high treatment costs or requiring surgery are subject to a waiting period in many insurance companies. However, this may vary depending on the insurance companies and the person's health history. In addition, the waiting period of the insurance company and the situations that it does not cover during this process may also be different. For this reason, if you want to get detailed information about the waiting period, you should contact the company that you have insured.
For Which Diseases Is Waiting Period Applicable in Private Health Insurance?
Some of the situations in which insurance companies apply a waiting period for private insurance include:
- Organ transplant procedures
- types of cancer
- Diseases of the nose, tonsils, nasal and sinuses
- Ear tube surgery
- oil gland
- cataract surgery
- glaucoma and thyroid
- Heart diseases
- Facet joint denervation and nerve blockade
- Diseases of the breast, uterus and ovaries
- Gallbladder, prostate, urinary system stone diseases and kidney diseases
- Varicose veins, knee tears, hernia and cysts
- Spine and disc diseases and their surgeries
- Anorectal diseases
In addition to these diseases and treatments, a waiting period can be applied for birth coverage in private health insurance. For this reason, couples who are considering having a baby should have health insurance in advance. Generally, private health insurances require that a policy period has expired in order to benefit from the advantages of birth coverage. However, the waiting period required for maternity coverage may differ depending on the insurance company.
When should Private Health Insurance be made?
One of the issues that people who want to take out private health insurance are wondering is when it should be done. In this case, besides the waiting period, another point to be considered is that existing diseases are not covered by the policy. It would be more advantageous for you to start your private health insurance when you are healthy, since both the waiting period and the existing diseases are not covered by the policy. A person's health history is also a determining criterion on the price of insurance. Therefore, the best time to take out private health insurance is when you do not have any health problems.