Just as you feel secure with your plan, there are loopholes waiting to catch you off-guard. Policies often have fine print that negates what seems like comprehensive coverage. Take overseas medical emergencies, for example. Some plans that claim to offer international coverage have restrictions that only apply under certain conditions.
Not to mention policies that sneakily exclude payments for pre-existing conditions within a stipulated period. Despite being legally obligated to cover pre-existing issues after a few years, insurers use nuanced legal language to delay claims.
What’s important is understanding that not everything promised upfront aligns with what’s deliverable in various scenarios. Knowing these shortfalls before committing can save heartache and money. But the biggest shocker of all is yet to come…
Navigating these choppy waters requires dedicated research and often questioning what seems obvious. What you discover next might just empower you to rewrite the rules.