{"id":2926,"date":"2023-05-31T09:56:09","date_gmt":"2023-05-31T09:56:09","guid":{"rendered":"https:\/\/ceowebltd.com\/blog\/?p=2926"},"modified":"2023-05-31T09:56:09","modified_gmt":"2023-05-31T09:56:09","slug":"this-is-how-health-insurance-works","status":"publish","type":"post","link":"https:\/\/ceowebltd.com\/blog\/this-is-how-health-insurance-works\/","title":{"rendered":"This is how health insurance works"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_73 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/ceowebltd.com\/blog\/this-is-how-health-insurance-works\/#This_is_how_health_insurance_works\" title=\"This is how health insurance works\">This is how health insurance works<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/ceowebltd.com\/blog\/this-is-how-health-insurance-works\/#How_does_health_insurance_work\" title=\"How does health insurance work?\">How does health insurance work?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/ceowebltd.com\/blog\/this-is-how-health-insurance-works\/#How_is_healthcare_insurance_financed\" title=\"How is healthcare insurance financed?\">How is healthcare insurance financed?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/ceowebltd.com\/blog\/this-is-how-health-insurance-works\/#What_care_is_provided_within_the_health_insurance\" title=\"What care is provided within the health insurance?\">What care is provided within the health insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/ceowebltd.com\/blog\/this-is-how-health-insurance-works\/#What_care_is_NOT_provided_within_the_health_insurance\" title=\"What care is NOT provided within the health insurance?\">What care is NOT provided within the health insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/ceowebltd.com\/blog\/this-is-how-health-insurance-works\/#Is_the_care_provided_within_the_health_insurance_necessary\" title=\"Is the care provided within the health insurance necessary?\">Is the care provided within the health insurance necessary?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/ceowebltd.com\/blog\/this-is-how-health-insurance-works\/#Can_you_get_faster_care_through_health_care_insurance_compared_to_tax-financed_care\" title=\"Can you get faster care through health care insurance compared to tax-financed care?\">Can you get faster care through health care insurance compared to tax-financed care?<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"padding-left-right-medium-down\"><span class=\"ez-toc-section\" id=\"This_is_how_health_insurance_works\"><\/span><span>This is how health insurance works<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"preamble padding-left-right-medium-down\"><span>We get a lot of questions about health insurance.\u00a0How it works, who has it, and why, as well as how it works in relation to tax-funded care. Here we have collected the most common questions and the answers to them.<\/span><\/p>\n<div class=\"border_thick\">\n<h2><span class=\"ez-toc-section\" id=\"How_does_health_insurance_work\"><\/span><span class=\"\">How does health insurance work?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you have healthcare insurance and suffer an injury\/illness, call the care planning department at your insurance company.<\/p>\n<p>It is usually a nurse who answers.\u00a0Among other things, the nurse asks questions about the complaints in order to be able to make an assessment of what type of support\/treatment is appropriate and can also give medical advice.<\/p>\n<p>Depending on what the symptoms are, care planning can directly book an appointment for treatment with a specialist.\u00a0It usually involves booked physical visits, but it is becoming increasingly common with e-care as many policyholders prefer it.\u00a0Of course, it is a given that it works with the diagnosis you have.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_is_healthcare_insurance_financed\"><\/span>How is healthcare insurance financed?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>None of the care provided by the health insurance is financed with tax funds.<\/p>\n<p>The financing takes place solely with premiums paid by the policyholders. The premiums finance the care provided by private care providers, care planning, and administrative costs. <a href=\"https:\/\/insurancenoon.com\/who-can-i-add-to-my-health-insurance\/\">Who Can I Add To My Health Insurance?<\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_care_is_provided_within_the_health_insurance\"><\/span>What care is provided within the health insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The most common treatment in healthcare insurance is in orthopedics.\u00a0It can be about visits for treatment with a physiotherapist, chiropractor, or naprapath, but also about operations. Care in orthopedics accounts for around 30 percent of care in health insurance.<\/p>\n<p>Other common treatments are in the skin, ears\/nose\/throat, gynecology\/urinary tract, and eyes, which each account for just under 10%.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_care_is_NOT_provided_within_the_health_insurance\"><\/span><strong>What care is NOT provided within the health insurance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Emergency care, palliative care (end-of-life care), or intensive care (IVA) are not covered by health insurance. Health insurance also does not cover the investigation and treatment of diseases covered by the Infection Prevention Act.<\/p>\n<p>Other treatments that are not carried out within healthcare insurance are, for example, cosmetic treatment and surgery without special reasons, correction of refractive error in the eye and pregnancy control.\u00a0Cosmetic treatment\/surgery can be performed as breast reconstruction after breast cancer surgery or for disfiguring scars on the face.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Is_the_care_provided_within_the_health_insurance_necessary\"><\/span>Is the care provided within the health insurance necessary?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>All efforts within health insurance are preceded by a medical assessment in the same way as in publicly funded care.\u00a0Care is only provided if it is established that there is a need for care.<\/p>\n<p>This means that all the care provided within the health insurance would otherwise have had to take place within public care.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Can_you_get_faster_care_through_health_care_insurance_compared_to_tax-financed_care\"><\/span>Can you get faster care through health care insurance compared to tax-financed care?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In the agreements that the insurance companies sign with private healthcare providers, different time frames apply than in the agreements that regions make with private healthcare providers.<\/p>\n<p>Within most healthcare insurances, the waiting time for a visit to a specialist is a maximum of 7 working days and for an operation a maximum of 14\u201321 working days.<\/p>\n<p><span class=\"VIpgJd-yAWNEb-VIpgJd-fmcmS-sn54Q\">This is a shorter time than what applies according to the care guarantee in publicly funded care.\u00a0<\/span>The care guarantee entitles you to care within 90 days.<\/p>\n<p>Many private care providers can normally offer shorter waiting times than this for both regionally funded care and insurance patients.<\/p>\n<\/div>\n<div class=\"padding-left-right-medium-down\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>This is how health insurance works We get a lot of questions about health insurance.\u00a0How it works, who has it, and why, as well as&#8230;<\/p>\n","protected":false},"author":126,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1256],"tags":[],"class_list":["post-2926","post","type-post","status-publish","format-standard","hentry","category-content-marketing"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>This is how health insurance works - CEOweb Ltd. 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