6 Reasons Why You Need Health Insurance

Health is the most valuable and important asset of every human being. Having good health can realize the dreams, ideas and aspirations of life. Modern life is always accompanied by many uncertain risks such as work pressures, environmental pollution, toxic food, increasing disease and sickness. In addition, the rising cost of medical examination and treatment in hospitals has greatly affected the financial well-being of the general public. One solution to this problem is the existence of health insurance. In this article, we will talk about 6 Reasons Why You Need Health Insurance.

6 Reasons Why You Need Health Insurance

What is Health Insurance?

Health insurance is a type of insurance that covers the health risks of the Insured. This means that if the person whose health is insured is sick, then the medical expenses will be covered by the insurance company. The function of insurance is actually to help you overcome financial problems if you are seriously ill at any time and need funds for treatment.

Health Insurance Plan types :

Insurance plans are varied, rich and flexible depending on the financial conditions of the buyer. For example

Inpatient treatment
Outpatient treatment
Dental
Maternity
Accident
Life

The health insurance system is extensive. If the customer is hospitalized for treatment in hospitals that are under the guarantee system of the insurance companies, the customer will be guaranteed the hospital costs by the insurers always. If the customer is hospitalized in medical facilities that are not on the list of guaranteed hospitals of the Insurance companies, the customer must pay the money and submit the entire dossier to the insurance company to pay back later.

Why do we need Health Insurance?

In recent years, along with the development of science and technology, the economy is growing and so is the life span of human life. However, along with that development, the environment is getting increasingly polluted, especially with increasing problems of poisoned food or food contamination affecting human health.

Here are 6 Reasons Why You Need Health Insurance.

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The general benefits of health insurance plans are:

1. Helps secure your family’s financial resources

If you have a seriously ill member in your family, medical expenses will cost you a significant amount of money, even lead your family to debt or bankruptcy. To help you avoid these bad risks, choosing to buy health insurance for you and your family is an effective solution, helping you to be assured of all events.

In addition, when buying health insurance, you and your family will have the opportunity to enjoy high quality medical services at reputed hospitals. You can also pay for medical expenses at most hospitals nationwide.

2. Save time and effort

The procedures for hospitalization in public hospitals today include many stages and procedures, which take quite a long time and are also the cause of stress of many people when going for treatment. Only by purchasing health insurance can you shorten the waiting time for examinations and still be able to use the professional and dedicated medical services of any facility in the country.

3. Health costs are expensive

Good thing you never get sick. But who in the world is immune from any kind of disease? At some point in life, there could be a cost you need to spend on health. The problem is: Health costs are not cheap. Especially when calculating the number of variables that exist.

Firstly, you have to do a medical examination (whether you take a blood test or CT scan or whatever), it has its own costs. You will also have to pay again for health services (doctors and nurses on duty). In addition, there are also medicine costs, not to mention the cost of surgery or hospitalization costs if the disease is dangerous.

Well, health insurance usually gives you a cut or reimburses the full cost of this hospitalization. Your financial burden becomes lighter.

4. Risk of illness

Anyone can fall ill. Especially considering ongoing situation with COVID19, we realize that anyone can suffer from an unexpected disease. Coupled with age, the risk of developing the disease increases. However, insurance is also more expensive if you enter when you are old. Therefore, you must start health insurance from a young age. Especially for those of you who already have family dependents.

5. Loss of Employment due to illness

There are many who say that nothing is more important than your health, and there has been a lot of evidence of that statement. Beyond all that, declining health can mean losing your livelihood if you ultimately can’t work. It could also mean an unusually large hospital bill. The existence of health insurance can help you avoid a number of ‘unnecessary’ expenses and can also help a number of individuals to be able to lead a healthier life by paying the costs that come out in the process of preventive measures such as regular examinations and immunizations.

6. Increasing Lifestyle Costs

The cost of lifestyle today tends to continue to increase, therefore it is necessary to anticipate medical costs so as not to interfere with the family’s finances. For example, when you are in need of funds for home renovations, suddenly there are family members who are sick or have an accident and require hospitalization at a considerable cost. If you are not prepared, of course the emergency fund has to be used up to pay the hospital costs. To avoid this situation, health insurance is needed.

Conclusion

The significance of health insurance really can’t be ignored or underestimated. The high cost of medical services can take all the proceeds of a lifetime of hard work and labour with just one major medical action. It may not have crossed your mind, but keep in mind that even the simplest operating costs can sometimes reach hundreds of millions depending on how severe the disease is. Well, health insurance can help pay for those bloated fees, and save you from the devastation of financial conditions.

Make sure you read and carefully review your contract with your health insurance provider. Review the applicable requirements and also choose the program that suits you best. Don’t hesitate to ask questions you don’t understand yet.

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