Therefore, I subscribe to several scientific newsletters like _Kaiser Health and NIH News in Health, and I take continuing education courses at a local community college.”_. You will need to check with your health insurance company if they offer any policy covering ENT treatment. These days health insurance policies cover a large number of day care and OPD procedures. So which financial institution would be better to apply for health insurance? Do My Parents Fall Under The Senior Citizens Category? Most policies also exclude any charges for second opinion from the health insurance cover. Health insurance and mediclaim are often confused for the same thing especially by a lot of new people not having much knowledge about health insurance. ", Healthcare Interview Questions (With Example Answers). Hence it is important that you carefully study the insurance companies ,proposal and the support provided. If I Am Opting For Some Additional Coverage, Should I Pay More Premium? Health Insurance Interview Questions & Answers. Question4: Give examples of insurance? In the meantime, I tasked team members with obtaining blood cultures and administered time-sensitive treatments like insulin or antibiotics. On buying the health insurance policy, it is important to go through the fine print in detail. I understood she was not feeling comfortable. For example, policy-holders might have to pay a $1000 deductible per year, before any of their health care is covered by the health insurer. No claim bonus retention is an add-on cover attracting a number of car insurance seekers. Neither can the banks help the consumer in case of claim settlement. This is because the features / coverage may vary a lot. Question 2. The sum insured is increased by a specified percentage for every claim free year. Continuing education is one way to stay current on advancements in healthcare. Question 3. A mediclaim policy works on the principle of indemnity where hospitalization is a definite requirement to consider any claim. Car owners can get as much as 50 percent discount on the own damage part of the insurance premium using no claim bonus. To answer this question, focus on your ability to prioritize tasks. Example: “Since I was a child, I wanted to help people. Many people think that health insurance policies cover only hospitalisation expenses. Healthcare Business Analyst Interview Questions. It is a tough interview question, as it also tests your personality. I am fulfilled in my role as caregiver and dedicated to giving my best to my patients.”. Consider practicing in front of the mirror or with a friend to develop your confidence. A health insurance policy on the other hand offers a comprehensive coverage covering both pre and post hospitalization expenses. Emphasize your understanding of elderly patients’ requirements and their desire to remain independent. I’d Like To Take Health Insurance For Both Of Them. Insurance policy is categorised into two. Question 17. The cumulative bonus can mean an increase in the sum assured by as much as 5% and can go as high as 50% of the basic Sum Assured. Is It Useful To Go In For Such An Insurance Add-on? Occupational Health and Hygiene Interview Questions. ", Interview Question: "What is your Teaching Philosophy? Question2: What are the benefits which are included in Personal accident policy? However some policies have this as an add-on cover. With an additional 52 professionally written interview answer … With the evolution of the internet and digital applications, I think healthcare providers will be including more and more connectivity apps in their patient care management. What Is Exclusions For Health Insurance Policy? Furthermore, most policies do not apply co-pays for doctor’s visits or prescriptions against your deductible. Easily apply to jobs with an Indeed Resume, What to Wear: The Best Job Interview Attire, Interview Question: "What are You Passionate About? Employers look for healthcare specialists they can trust with the lives of their patients. Since her honest input was crucial to my diagnosis, so I asked permission to continue the exam privately. Co-payment is the amount that the insured person must pay out of pocket before the health insurer pays for a particular visit or service. Many smaller, routine services do not require authorization. For example if the policy offers a sub limit for say cataract surgery you can claim only up to a certain amount for cataract surgery claims even though the total sum assured may be higher. 250+ Health Insurance Interview Questions and Answers, Question1: What is Coinsurance for health insurance policy? Have you already been faced with a patient who did not communicate or disclose important information? Another difference between mediclaim policy and health insurance policy pertains to the availability of tax deduction. No claim bonus, commonly known as NCB is a reward offered by insurance service providers to their clients in case they do not file for any insurance claims. By asking this, the interviewer wants to know if you are genuinely interested in helping others. What Is Coinsurance For Health Insurance Policy? Coinsurance: Instead of, or in addition to, paying a fixed amount up front (a co-payment), the co-insurance is a percentage of the total cost that insured person may also pay. a) … What Is Prior Authorization For Health Insurance Policy? Example: “Elderly patients value their independence, and I like to help them achieve it by providing the best occupational therapy. It was not hard to pick a direction for college; I knew I wanted to heal patients.