The health insurance covers and insures the health of the person. The persons who are insured by this health insurance policy can easily get free medications and their health expenses are managed by the company and there is no burden on the family or the injured person for the treatment and the expense of the medical care.
Why health insurance is important?
There are multiple benefits for receiving health insurance and getting insured by it. The persons who are not ensured by this insurance do not get proper and timely medical facilities; they also face worse health outcomes. All the burden of their medications, treatment and stay at hospital is to be managed by their families which is very difficult as most of the families cannot afford the expensive treatments. Along with the care and free medication the insured persons also get some other benefits and services. They get extra care from the clinics and the hospitals in which they get admitted. In some parts of the world such as United States of America the health insurance and these benefits are included along with the employment as the perks of employment.
Can you use the health insurance in a car accident?
Different car insurance companies are present throughout the world that can help in getting the proper treatment for the injury. These have different criteria for providing the treatment for injuries and usually include The personal injury protection, Bodily injury liability, Medical payments coverage and Uninsured and Under-insured motorists. All these insurances cover a little or more part of the injuries treatment but no any of them provides the full treatment for the injuries that are encountered in any car accident.
If no other company pays for the loss of the injuries the medical insurance will pay for the injuries as a general rule. But, the insurance company will make sure that the injured person is not getting the funds for treatment from any other insurance company. If your medical insurance does not include medical coverage then it is most likely that your health insurance will pay for all the injuries you have encountered. If you are the only person who encountered the accident your health insurance company will pay for the injuries but if two parties are involved in the car accident then your insurance company will wait to see that who was at the fault and whether the second party owes you for the treatment of the injuries or not. If the second party was at fault obviously it would pay for your injuries.
You health insurance may take a lot of time to cover for your injuries as it would wait for the claim and will wait for all other claims to get denied by other companies. All your expenses would be covered up the health insurance policy. All these processes are done in the best way possible but sometimes this can take very long and you will receive the medical bills after a very long time.