Last updated May 29, 2015 | Posted in blog

Medical payments are an important aspect of an insurance policy, because at the time of an accident the insurance company takes care of the costs of health care services for you and those involved in an accident.

Find out about medical payments

If you are involved in a car accident, then medical payments will become essential. You must think about this issue when purchasing an insurance policy and make sure the right coverage is included in the contract. Among the coverages offered by insurers are medical, hospital and dental payments and reimbursements for expenses incurred by the insured.

You should not have to worry about who was responsible for the accident because the policies provide coverage beyond this. And in some cases, medical payments also extend to accidents in which a family member is involved but not traveling in a vehicle you own, which will give you more peace of mind because, as you know, the costs of medical care are always high.

You should also know that medical payments do not involve certain medical, hospital and dental services, for you are free to choose the care you receive and who will give you this. If you’ve made a payment it may be reimbursed, so you must prove the expenses with documentation from your health care provider.

Carefully read the policy you’re considering for purchase. Policies usually don’t include medical payments that cover costs generated during convalescence after discharge. Policies generally do not include permanent prosthesis, except to replace teeth.

The limits of medical payments

Does this cover any limits? Yes, there are limits and it is important that you know them when choosing a policy. One limit values ​​is in medical payments. This limit is established in the contract of the insurance policy, so you’ll know from the start and there will be no surprises.

Also, some insurance companies provide that coverage will pay medical costs if the medical or dental treatment begins within a specified period from the date of the accident that happened. This is to prevent abuses and fraud which, unfortunately, happen everywhere.

Another limit is usually set to the number of days of hospitalization, usually 180 days. In addition, the amount of compensation is determined by day, which will be paid to the insured if he or she has health insurance.

So when you’re thinking of hiring a car insurance company, discuss if the policy covers medical payments for medical care and if there are high costs involved. You don’t want to be left out in the cold after an accident!