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It would help if you had the perfect idea of what does a particular insurance policy covers. It would be best to choose a policy that covers a considerable component of the medical emergency expenses. There must be a strong network of hospitals associated with your policy across the country that supports cashless hospitalization. Cashless hospitalization is a concept that means that the insurance company deals all the expenses at the hospital, many under the policy, and you do not have to pay a single penny. When it comes to reliability in services, Health Insuranceallows you all these amenities along with a wide range of flexible options.

Medical insurance policy and the tests

In the case of the Medical insurance policy you have taken, certain tests are also being carried out to make you have the best claims. These tests include a Complete blood count report, lipid profile, urine test, and X-ray. The rates at which these tests under your Medical insurance policy are carried out are being negotiated between the insurer and the hospital. These rates may vary depending upon the insurer you have chosen.

If you have got these tests done in the impaneledcenter, then no need to pay under the Medical insurance policy, but if you have chosen to get your test done in some of the other labs, then the New York Small Business Health Insurance Plans asks for the bill receipt that is later reimbursed.

Premiums and free medical checkups

There are two aspects of the Medical insurance plans which you have to keep in mind two aspects – premiums and renewal of the medical policy that you have. When the medical tests in the Medical insurance policy are being carried out, keep in mind that these tests have no link with the premiums you are paying.