situations around the world. One can never be sure what catastrophe or unfortunate situations might
present themselves at any point in time.
risk of incurring medical expenses. One could easily find a number of insurance companies offering
several types of health insurance policies that tend to cover one or more of medical situations.
The numerous benefits offered to policyholders under these insurance plans include reimbursement of
prescriptions and medical equipment, doctor visits and preventive care.
amount, age and income of the individual planning to take up insurance cover, hence the need for an
whom an individual pays a fixed monthly payment in return for a wide range of medical benefits.
The organization includes a network of physicians and doctors. From the selected network, patients can
then select a primary care physician also known as a PCP. In some emergency situations, HMO insurance
plans allow patients to select from a wider pool of physicians.
guidelines set by the National Health Insurance Scheme (NHIS). Below are listed some of the functions of
and HMO in general.
assurance monitoring of health care facilities by HMOs is done quarterly and the reports sent to NHIS
within one month.
numerous benefits to the consumer.