Call your insurer first

If you are covered for medical insurance, and you need to go for medical treatment, what should you do first?

Call the insurance company.

Give your particulars. Ask them to explain what is covered under the medical insurance. Ask about the limits for each category of coverage and the exclusions.

Tell the insurer about the estimate cost of treatment given by your doctor. They may be able to advice if the estimate is reasonable, and if there are better, more cost effective alternatives.

Be better informed. Do not be shy to ask.