Insurrance and travel

How many American tv shows that take place in hospitals and emergency rooms do we know?

 The real life of these places is really busy and efficient way:; ready to save your life and heal you with great professionalism by using infinite resources but, any intervention is subject to charges.

 In fact in the United States, including emergency health care, you pay and a lot too. For this reason, any tourists who decide to spend a holiday in the States needs to contract a travel insurance USA, designed specifically for this destination.

Statue-of-liberty-use solution? Online.

Online travel insurance are a convenient way to be able to choose the company with which you want to contract the policy.

 Usually you choose the best travel insurance that meets your requirements and that it can provide adequate insurance coverage.

 Travel insurance usa differs from a regular travel insurance in that it takes into account the complexity of being able to protect a secured across national borders.

It is always convenient to have a medical insurance that can intervene if necessary by the customer in need.

 A good travel health insurance USA must be considered not only necessary services complement the success of the trip, but a real ally ready to interact where fate is contrary to expectations.

The comparison.

It's good to compare adequately the online travel insurance so that you can decide the most suitable and convenient for our trip.

 The tranquility one special travel health insurance is something that is priceless. Even if our foreign destination is represented by the mythical America, the Bill may consist of a possible extension of the voices to ensure to implement the protections until you get to cover any unforeseen adversity and we were traveling.

Savoury costs in the event of an accident.

Accustomed as we are to our Local health service, where at most-if not exempt-we pay a fee for the ticket very low, the cost of even simple interventions in the modernUnited States emergency, are really salty.

 The visits cost dear and you do not have a cover represented by at least two credit cards obviously covered, not even deign tocomplete the entry.

 For a first visit are at least 150 $ and if then you must intervenewith stitches or with plaster, then zeros are rising dramatically, so much so that you'd rather be dead than to have to pay sums hallucinating.

 For this reason it is best to have a full coverage that guarantees anything in any hospital in the United States.

The serious problem of medical expenses insurance

Health insurance is essential in our financial planning, since it helps to protect our heritage, in the event that we, or any family member, contract a serious illness, whosetreatment can be very high and impossible to afford individually cost. Even a simpleillness that is complicated.

A very close person had a kidney infection, everyday, but the bacteria that caused itis was highly resistant to the antibiotic. Instead of responding to treatment, worsened: had a septic shock. It was four days in intensive care and several others in a normal room with several drugs, including a combination of antibiotics that allowed him to, eventually, recover.

The account was more than 400,000 pesos, more medical fees. Fortunately, had health insurance, which took most of this cost, being in charge of this person the deductible and coinsurance, which covered their emergency fund. There is no problem noequity involvement.

Can you imagine what would have happened if you get a similar Bill without coverage? Possibly not could enter, since to enter intensive private hospitals, they ask for asubstantial guarantee.

Of course, for many people, the only alternative is social security. Both the IMSS andthe ISSSTE are venerable in Mexico and fundamental institutions. However, the quality of the services has declined considerably and, today, is very poor. Enough to see the news of the last few days, which should cause scandal and outrage in society, inwhich the responsible doctors should be in prison (instead, somehow receive an inexplicable protection). I refer to the child who left blind to take away his good eye, ora baby that instead of cutting the umbilical cord caused it irreversible damage for the rest of his life, which was not - or will be - compensated properly.

It is not my intention to attack these institutions, but yes regret that in Mexico, if we want quality services, we have to pay them. This increases the enormous social differences, and however, the politicians seem to encourage it (so if you want to circulatethrough the second story has to pay, despite paying taxes). In the end.

Now, if I think that major medical expenses insurance are so essential in our financial planning, are why the title of this article? Why I have a serious problem?

For one simple reason: they become unpayable with age. A comprehensive health insurance to a person over 75 years costs more than 150,000 pesos. For a couple, thecost is doubled. Very few people could pay this stage of withdrawal. More than 80 years? The annual premium is between 200,000 and 250,000 pesos per person.

In other words, we can not pay the premium when we most need it, even if we havepaid our insurance many years without having any sinister.

Unlike life insurance, there is insurance of medical expenses of long-term, with levelpremiums, which protect the insured of these increases provided that it remains with the same company. Why? They believe the cost and would be more difficult to sell.

Some insurance agents try to sell a large endowment insurance, "so that they can pay their health insurance when they are old men". However, we do not guarantee anything: inflation in these products exceeds, by far, the annual inflation rate. In addition, the sum insured would have to hire so you can actually reach is several million pesos.

The authorities have done little; as the penetration is low (due to the lack of financial culture and, above all, by the low income of the majority of the population), manycompanies do not dare to draw different products, for the fear of not put together the critical mass needed to make them viable over time. Own regulation also encourages it.

Those who lose are the consumers, but also the country, costs that assume public institutions and levels of well-being of the population, among other things.