For our Better Health
08. 11. 2016
Life is risky, we cannot foresee our future. A sudden illness or a natural disaster can create havoc in our lives and those of our loved ones. Getting over an illness could take a toll on our mental, physical as well as our financial life. Health insurance could at least remove the burden of bearing all the medical expenses.
Health insurance provides an affordable way to stay healthy and get medical care without creating a financial burden. It offers a peace of mind when the unexpected medical emergency arises. It fulfills our basic necessity of protecting us from uncertain healthcare bills and making expensive healthcare services affordable.
There are different reasons for taking a health insurance.
Peace of mind: health insurance provides peace of mind by offering coverage on bills so that the patient can concentrate on his health. It also ensures that during a sudden medical condition the person is well protected and in a position to afford the expensive medical services.
Security for the future: most medical conditions require very expensive treatment. Without insurance, the entire financial cost before, during and after the treatment will have to be borne by the patient. Health insurance ensures that the health insurer is not drained financially by these medical costs.
Promoting health: While taking an insurance policy; most insurance companies cover the cost of regular checkups by a doctor. Some even offer membership to wellness centers thus ensuring that the insurer and his family remains healthy.
Disability coverage: Some plans also include compensation to the health insurer who is unable to work due to a disability. This could prove to be a boon while managing the financial assets during difficult times.
Prescription medicines: in some cases the cost of a treatment is affordable but the medicines to be taken are incredibly expensive. Most insurance programs cover at least part cost of the prescription drugs.
Preventive care: It has been seen that those without a health insurance usually ignore their medical conditions and do not take appropriate preventive care due to the fear of high costs. This leads to a delay in necessary care thus developing serious medical conditions. A person without an insurance is less likely to go for regular checkups to manage their health; leading to serious medical conditions. This attitude is normally seen in patients with diabetes and cancer.
There are other benefits like a health insurer can also be protected from recuperating expenses, expenses related to the organ donor, attendant allowance, etc.
Choosing the right health insurance plan is the most difficult and the most important step. Reading the fine lines of the plan and doing some research ahead could help an individual to make a good choice and save money. The features of the policy and its optimum utilization by the insurer should be of top priority while choosing a health insurance policy.
Health is wealth and a health insurance is an assurance of saving this wealth by transferring the risk of cost to the insurance company.