Conditions for using supplementary insurance in 1402 that you should know

Conditions for using supplementary insurance in 1402 that you should know

One of the main reasons why some do not believe in supplementary insurance is insufficient information on how to use it. This issue has made them claim; Additional insurance is nothing but charging a high fee. Probably, these people have visited medical centers several times and since that center did not have a contract with the company or the insurance coverage limit was less than the amount paid, that's why they make such a claim. Therefore, in this article, we have written the terms of use of supplementary insurance for you to obtain complete and useful information about the terms of supplementary insurance.

Only the main point is that these conditions and rules are general and are shared by all insurance companies; however, some of these supplementary insurance rules may be different in some companies. So be sure to read the terms and conditions of the company before buying additional insurance.

Terms of use of supplementary insurance

First of all, you should know that supplementary insurance is a kind of auxiliary insurance in reducing the costs of medical services. This insurance must be renewed every year and there is no such thing as retirement. Since basic insurance covers only a small percentage of medical expenses, the use of supplementary insurance is recommended; That too in a situation where treatment costs have increased sharply.

Supplementary insurance compensates for medical expenses.

We have divided the conditions of using supplementary insurance into several categories. Of course, some conditions will be different depending on whether you have purchased individual supplementary insurance or group supplementary insurance. In the following, we have written all this for you. Who Can I Add To My Health Insurance?

General conditions for using supplementary insurance

The general conditions for buying and using supplementary insurance are as follows:

• The insurer and the insured must enter all the required information accurately and correctly. In case of incorrect data, the insurer can unilaterally cancel the policy. He can even take legal action to compensate for the damage caused to himself.
• The start date of the insurance policy is after the full payment or the first installment. In case of failure, the insurer can cancel the insurance policy.
• The insurer must be of legal age to use it. (At least 18 years old)
• The age requirement for purchasing supplementary insurance is up to 60 years old. For people between 60 and 70 and also between 71 and 80 years old, 50 and 100 percent insurance premiums will be added, respectively. Of course, the age requirement may be different in some insurance companies. After the age of 80, it will not be possible to buy supplementary insurance.
• In supplementary family insurance, it is possible to ensure people under 18 years old. Of course, his legal guardian must do so.
• Regarding supplementary insurance for congenital problems, it should only be purchased from a group.

Other conditions for using supplementary insurance

Other conditions of supplementary insurance include the following:

• In order to purchase individual supplementary insurance, any person can purchase it; But for the group type, the employer must register the request. It is possible to buy additional group insurance only for organizations, companies, and factories that have a large number of employees (at least 50 people and above).
• In group supplementary insurance, employees must have the same basic insurance; But in the individual type, there is no need to have basic insurance. Only the insurer has to pay more premiums.
• For people who work in high-risk jobs, it is recommended to purchase more liability or accident insurance. Of course, this type of insurance must be provided by the employer.
• If a medical examination is required (for people over 60 years old), the insurance start date will be after the doctor's approval.
• The insurance fee must be paid in full; Except in installment purchase.
• The supplementary insurance is valid for one year, and after that, the policyholder must renew it by paying the full premium.
• It is possible to get a discount for additional insurance. For families with more than three people, a discount of about 10% has been considered.
• Supplementary social security insurance is only for retirees, pensioners, and disabled people of social security, their families, and dependents. Of course, the use of this insurance policy is different for dependents. First of all, people must have a social security card.
• Basically, the insurer has 5 working days to send the documents to the insurer to receive payment. Also, the companies will deposit the amount to the declared account number at least 15 to 30 working days. Of course, in special circumstances, this time may be longer.