What You Should Know About Your Health Screening Tests

What You Should Know About Your Health Screening Tests

Insurance health screening tests are important. But why do we need insurance in our everyday life? To save money in the long run? To have peace of mind? Or to make sure that when something bad happens, you won’t be left without anything?

To understand the importance of health screening, let’s take a look at exactly what it is. “Immediate life support against critical illness wellness benefit” means the benefits listed on an AAFDC/CIC claim form. For instance, if you develop a critical illness within six months of completing your first policy, your benefits will be suspended until you either recover or find a way to pay for your hospital costs. The benefit suspension can last up to three years and cannot be reduced or waived in any other circumstances.

The benefits listed on the health screening claim form are usually called “covered services.” Your insurance company will either reimburse you for the cost of one or all of these covered services, or they will allow you to claim for a proportion of them. If your claim is approved, your insurance company will pay your claims, but they don’t have to. They only pay the claimed benefit when the health screening was completed and no conditions remained that would require them to do so under the policy.

So why does this information get passed through health screening test forms? It happens all the time. In fact, if you’ve ever filled out an AAFDC/CIC claim form, you’re probably pretty familiar with this misleading information. I’m talking about medical terminology like “life-saver” and “fatal-event prevention.” It’s all part of the system.

Health screening benefit claim forms typically list “life-saver” or “fatal-event prevention” as choices. These are supposed to be comprehensive lists that cover everything from cholesterol levels to high blood pressure. If you’re from the continental European insurance industry, you know that’s just not true.

As an example, take the words “life insurance” and “ceiling lock” and replace them with “life-saver” and “fatal-event prevention.” That’s a long and incredibly detailed claim form, but even American life insurance companies use the same format in their claims. In continental insurance, however, those two words would be listed separately. This means that a life insurance claim form filled out by an American life insurance company might have the words “life-saver” and “fatal-event prevention” in it, but they’d list “life insurance” as the primary claim and the “ceiling lock” as an addendum.

The fact that the words “life insurance” and “ceiling lock” are on the same form is no accident. Insurance attorneys and industry reps designed it that way. “Americans don’t believe that their premiums will cover everything – and we don’t want you to believe that,” they say. If people believe that, they might not file a claim, or they might push back against being taken off their coverage. An AFLAC guide on claiming CEIP payments explains this better: “insurance companies are required by law to include an aplicant’s contact information in all health insurance benefit statements. You can receive a free copy of your claim statement at any time during the year by contacting your insurer, regardless of whether you are a policyholder or simply paying premiums.”

Again, don’t misunderstand. If you experience serious or life-threatening symptoms, you should contact your physician immediately. You will need his or her advice to determine whether you qualify for an aflac customer’s discount or not. However, if your doctor diagnoses you as a low risk patient, you don’t have to waste your time filing a claim form. If all goes well, the next time you see your doctor for a routine checkup, he or she will likely refer you for a standard health screening benefit, such as a cholesterol profile or blood sugar test.

Leave a Reply

Your email address will not be published. Required fields are marked *