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Introduction God heals and the Doctor takes the fees. Benjamin Franklin In today's scenario medical care is expensive and costs are zooming upwards day-by-day. A person acquires medical insurance for the same reason as other kinds of insurance - to protect oneself financially. By going in for medical insurance, you can protect yourself and your family if struck by disease. While no one wants to fall ill, the last thing one wants to worry about when is whether one will be able to afford good medical care. On the other hand, if you have been prudent enough to obtain insurance, many of your costs can be covered by a third-party payer, namely, the insurance company, thus relieving you of considerable anxiety and concern. The traditional form of health insurance is called indemnity insurance (also known as fee-for-service), in which the insurer pays for the cost of covered health care services after they have...

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