General terms conditions of insurance policies

Relationship between the insurance company and the insured person


The relationship between the insurance company and the insured person must be based on a series of general terms and conditions that explain how both the company and the insured person must act in the event of an accident, damage, etc.

A definition of what the general terms and conditions are is as follows: The principles established between the two parties to a policy, determining its scope, the insured object, risks that are not covered and the method of payment in the event of an incident.

To be more accurate, the general terms and conditions usually contain a standard text that applies to any insured person who takes out the insurance policy at issue. They establish the types of cover provided, exclusions, how to pay the premium, what to do in the event of an accident and the conditions under which the contract can be terminated.

In summary, all the common clauses included in any contract for a health insurance policy.

In addition to these general terms and conditions, each health insurance contract will be customised with particular terms and conditions. These explain the general terms and conditions in more detail to make the assistance received as individual as possible.  

Apart from the general terms and conditions, what other basic documents will you receive when you take out an insurance policy?

When you take out a health insurance policy, the basic documents you receive will include the policy, which clearly defines both the general and particular terms and conditions with respect to any incident and the insurance company's card, which can be used to access all the treatments and services the insurance company you have contracted the policy with offers you.

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