Services Covered
What is covered?
What is excluded?
Who is covered under the policy?
When are they covered?
Where are they covered?
What is the level of cover?
Does the policy offer a means for increasing benefits to account for expected future costs?
Does the policy have a maximum lifetime benefit?
How long do I have to wait before pre-existing conditions are covered?
What does the policy cost?
Claims
How are claims filed?
Who files claims?
What is the excess if a claim is made?
How are claims paid or reimbursed? Do you have to pay up-front or will the payor pay the provider directly?
What is the procedure for filing a complaint or appealing a decision with which you disagree?
Does this policy coordinate benefits with other policies under which you or family members may be covered?
Other
Can the policy be cancelled?
Will the policy cover you if you move to another area?

Insurance Policy Checklist

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