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It is always advisable to look over the list of the conditions that are covered under your insurance plan prior to buying it. Some plans could cover handful of chronic diseases, while others may cover more specific conditions and cover certain conditions. It is crucial to know the terms and conditions of each plan before you sign up for a policy. Be wary of price as a primary factor. It's better to buy a plan that has all chronic diseases covered as opposed to one that does not. When you need it, a policy that offers you all the help you need would be worth its weight in gold. Direct insurance plans ensure that your costs for treatment are low. You will be reimbursed in part of your medical bills. In addition, direct line medical insurance provides a high level of coverage. If the medical expenses you incur exceed the limits of the policy, it could allow the entire amount. Surgery Surgery is the last option for any condition. Though anesthesia is helpful in reducing the pain, most people view the option as last resort for treatment. Direct line medical insurance plans offer financial assistance if you have to access hospitalization services. This type of policy generally covers many kinds of surgical procedures, and includes injury to the patient. Although your insurance will pay for expenses for the rental of rooms if you choose an in-patient treatment plan, you could also get reimbursed for some of the cost of meals while in the hospital. Surgery usually is covered by the critical .