When we talk about the healthcare insurance, things get really complicated. Insurance policy agents just make it look like you are going to win some lottery or earn a fortune overnight, but in return when you ask for the rewards, they tell you that you still need to keep paying the premium to reach a certain level. There are basically three parts of a healthcare insurance policy that we need to understand. Once you take the policy and start paying the premium, your general checkups and preventive treatments are covered under this mere premium. But what if you need emergency hospitalization for a broken bone?
For this you have to reach a minimum certain level called deductible. Once you reach this level, the insurance company would start paying a share of your total expenses incurred on medical expenses. But if you want this to be paid entirely by your insurance company, for this again you have to keep paying the premium to reach a level called empty pocket maximum. Until this level, you would have deposited the contracted sum of money through premium and not onwards all your healthcare expenses shall be paid by your insurance company.
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