Getting health insurance is not very easy as you need to demonstrate beforehand that you are physically fit and that will mean that you have to undergo the medical examination. Most of the companies will not give you health insurance if you do not pass the medical examination.

That said there are other options available if you are denied coverage by the regular health insurance companies. These companies that give you what is called the guaranteed health insurance. These companies have no physical examination and they do not even care about your pre existing illnesses.

Now the premiums charged by these companies are much more than the regular insurance companies. These companies also give you graded benefits which will mean that you will get only a fixed amount if you are hospitalized. In general they will pay about 00 for the first day in hospital and then they will give you about 00 for each subsequent day.

This is a good way to get insurance if you have lost your job and you do not have the regular HIPAA or the State sponsored insurance.

These companies will also cover the maternity expenses up to a certain limit.

This for sure is a good way as the underlying thing is that these companies have all sorts of the PPO and HMO networks that they can reach out to. So always get this insurance as an additional insurance for your needs in times when you will lose your regular insurance and you do not have any health coverage.