Knowing Your Rights As A Policyholder

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A policyholder is the person who purchases and maintains a health insurance policy. In most cases, the policyholder is also the covered individual, which means that they are the one who receives coverage under the policy. However, it is possible for someone to be a policyholder but not a covered individual. For example, a parent may purchase a health insurance policy for their child. In this case, the parent would be the policyholder, and the child would be the covered individual.

Related Article: Who Is A Policyholder In Health Insurance?

As the Policyholder…
As the policyholder of your health insurance plan, you have certain rights and responsibilities. It’s important to understand what these are so that you can get the most out of your health insurance coverage.

Some of your rights as a health insurance policyholder include:

-The right to know what your health insurance plan covers

-The right to know what your responsibilities are under your health insurance plan

-The right to appeal decisions made by your health insurance company

-The right to change your health insurance plan if you’re unhappy with it

-The right to know what providers are in your health insurance network

-The right to get quality care when you need it



Some of your responsibilities as a health insurance policyholder include:

-Paying your premiums on time

-Keeping track of your medical expenses

-Notifying your health insurance company of any changes in your personal information or status (e.g., address change, marriage, birth of a child)



Being a responsible policyholder will help ensure that you get the most out of your coverage. Log on to rohealth.ng to sign up for health insurance for free!!