Page 330 - Ebook health insurance IC27

The Insurance Times

n War risks
n Injuries arising from dangerous hobbies (hazardous pursuits), such as diving
n Congenital diseases
n Birth control devices and pills
n Circumcision unless for medical reasons
n Insured member above and below the required age
n Pre-existing and chronic conditions
n Services or treatment in any home, spa, hydro-clinic, sanatorium or long-term care

facility
n Routine medical examinations or check-ups
n Vaccinations, medical certificates
n Examinations for employment or travel,
n Nuclear risks
n Mental illness or disease and psychiatric disorders.
n Self poisoning
n Prostheses and corrective devices

Section 8
Rating Medical Insurance Plans

Introduction
Rating refers to the calculation of the contribution known as a premium; each individual
has to pay the insurer, in exchange for insurance protection. This contribution should be
sufficient to meet costs of expected insurance losses, pay office expenses, provide a
profit and establish reserves.

334 Guide for Health Insurance