Most health insurance schemes seem confining in one way or another as what works financially does not always work in practice. There is no perfect medical plan as medical costs are so high that in order to provide a medical plan that works for the majority of people something has to be left out. You will either get more day to day care and less money spent on hospitalisation or the other way around. You will have to work around these facts and find a medical plan that works best for you and your family.
In most countries around the world the premiums of medical plans are more or less controlled by the government in order to allow most people to participate in them. In order to keep premiums as low as possible the medical plans mostly just provide the essential services.
The less expensive health insurance schemes operate with a network of doctors and then require you to pay a monthly premium as well as a small extra fee when visiting a doctor or any medical professional. You will only be able to choose one of the doctors on a panel who have offered their services to the insurance scheme at a discounted price.
Most medical plans do not allow for expensive prescribed drugs but will give generics if the consumer is satisfied with these, if not he or she will have to pay for them themselves.
Health insurance is essential for all families and individuals to have as you never know when you or a family member will get ill and require medical attention.
