Though the government of Nepal is conducting bounded labor promotion programmes from 2052 B.S. for the improvement of economic and social condition of their families, and is conducting programs related to their income generation and economic development by collecting their data after the bounded labors’ emancipation, by managing their appropriate settlement to bring their economic and social changes, the condition of maximum families has not yet been notably improved.
What is joint health insurance?
Joint insurance is meant to ease the fear of health problems affecting your and your partner’s lives. the thought behind insurance is to offer you an alternate to the NHS once you need some quite medical attention.
Say you develop a significant back problem and attend your GP. they could refer you to hospital, but you can’t be seen for a minimum of a few of weeks. If you’ve got insurance you’ll call your provider to ascertain if you’ll get a personal appointment more quickly and avoid the waiting lists. they’ll even have access to more specialised doctors or treatments.
With a joint insurance policy, the policy covers both you and your spouse or partner. you’ll also choose family insurance and add your children to the policy.
How does joint insurance work?
Much as with other sorts of insurance, you pay a monthly premium . Then if you or your partner needs private medical treatment for something covered by your policy, you’ll contact the insurance provider to form a claim. The claim covers the value of your treatment. like car and residential insurance, you pay an agreed excess once you make a claim – which is your contribution to the value of treatment.
- A joint insurance policy doesn’t cover you and your partner for each medical condition and procedure. you ought to always check the policy terms and conditions for exclusions. for instance , insurance policies might exclude:
- pre-existing conditions
- chronic conditions like diabetes or arthritis
- outpatient treatment
- diagnostic tests
But albeit you’ve got a pre-existing condition, some policies leave anyone to be insured, as long as there are no symptoms for five years.