The Dangers of Health Insurance Fraud

Health insurance fraud is one of the worst crimes that you may experience. This is because of the fact that in this crime, your medical insurance is actually stolen by other people. Remember that the actual reason why you actually took health related insurance is because of the fact that you want to be protected, especially with the risks involved of getting illnesses and requiring medical treatment. In this case, whenever you have health-related insurance plans, you will be ensured that you will have a partner is paying your medical bills.

This is what health insurance fraud takes away from you. Basically, this kind of fraud is also a kind of identity theft, wherein thieves will actually steal your identity and use your health-related insurance to take advantage if its benefits. In this case, remember that you did not take insurance just for thieves to take advantage if its benefits. Here then are the different dangers that you may be at risk whenever you become a victim of health insurance fraud:

* Not taking advantage of the benefits the time that you need it Of course, whenever your insurance benefits are actually taken by another person, there are big chances that you may not able to take advantage of its benefits anymore. Remember that whenever thieves actually use the benefits of your insurance, there are a lot of records to be affected, such as the hospital records, your personal insurance record, as well as the record of the company. In this case, being a victim of this crime would surely render your insurance useless. This is the last thing that you want to experience.

* It is very difficult to stop it Because of the fact that thieves are actually assuming your own identity in order for them to steal the benefits of your insurance, it would surely be very hard for the different concerned institutions to know whether your insurance is already stolen by identity thieves or not. In this case, it is also the reason why insurance related fraud is very hard to stop. There are actually many ways on how thieves can be able to steal your identity, as well as the benefits of your insurance, as long as they have the right information at hand.

* There are chances that you may be jailed because of it Also, when thieves are able to use your individual insurance account, and you then afterwards claim that the person who used your insurance is not you, there are also chances that the insurance company will actually sue you for false information. This surely adds insult to injury, for aside that you cannot enjoy the benefits of your insurance; you are also facing a legal suit.

By J. D Theis

How To Use Health Insurance To Secure Yourself

Maintaining health is the most important factor of human life.Health insurance is a part of health management.In health insurance we first look for a good insurance company which will give us the most advantage in terms of conditions.

To get health insurance is to safeguard against all kinds of accident's and health issues, which can be both natural as well as intentional. It provides a means of security against health problems for you as well as your family.

It is quite simple to get health insurance.

Only a few basic steps need to be followed. First, find an appropriate company that provides such insurance. Contact the relevant person in the company and understand their terms and conditions. The form must be read carefully before making any payment.

The conditions that are involved are basically we have to submit some amount of premium to the bank or the company and it is a yearly payment.Whenever we are ill or suffer from any accident that can be anyone car accident,road accidents etc than we can use our insurance policy.

All the expenses involved, like medication, doctor's charges, hospital bill, will be paid by the company. In the unlikely event of death, a large sum is given. This is only if a good insurance policy has been selected, so make your decision wisely.

Younger people get health insurance with more ease than elder people. This is so due to a number of reasons. If no medical problems rise up during the insurance period, the premium is kept by the company; it is not given back to you.

This is a minor loss. We not secure ourselves against major expenditures, but also free our mind from the tension of worrying about personal health. Treatment which would otherwise not be possible to obtain is made available, thanks to the insurance.

Anyone who values life knows how important the issue of health is, and everyone should get a health insurance. You risk your life by not getting health insurance. It will limit your expenditure on health issues and thus help you save money in the long run.

By Don Bethune