HEALTH INSURANCE; A PROACTIVE AND PREVENTIVE MEASURE
A health insurance is an insurance against ill health. It is a form of insurance that
covers the cost of losses incurred medically by an insured person. It is usually a
policy contract between a person who wish to be insured and the insurance
company.
A health insurance can be individual, or group, as the case of family health
protection or a company insuring employees for health protection. In either form
of insurance, the individual, or group pay a fee, or premium to enable the
insurance company provide health care expenses when the need arises.
A health insurance may also be comprehensive, or scheduled. In a
comprehensive health insurance, the benefits are vast . Here, the insurer pays a
percentage of the cost of hospital and doctors charges. This plan is usually
expensive because of high payouts and vast health coverages.
While scheduled health insurance is a ploicy that provides day to day
healthcare. It is not effective on certain serious health cases. And this plan cost
less than a comprehensive health insurance, because their payouts is limited.
A health insurance policy can be influenced by certain factors. Some factors
may reduce, and some, increase the cost of the policy. And these factors
includes; age of insurance seeker, senior citizens require more medical attention
than the younger and healthier population.
The lifestyle of an insurance seeker is another factor. Smokers and alcoholics
are high risk insurance, compared to those who don’t indulge in such
lifestyles.
The emergence of high tech medical technology can fuel the cost of a health insurance. Also rare and advance drugs is another factor that can affect insurance. But Often, insurance seekers are properly advised by the insurance company of any factor that may affect their policy for good, or for bad.
The U.S.
which includes, hospital and emergency services, prescription drugs, childbirth
and pediatric care, but excluding coverage on autism, obesity, infertility
treatments, unlimited chemotherapy visits and cosmetic surgery.
We must be aware that, the broader the coverage, and benefit package in a
health insurance, the higher the cost for you, but it could save money overtime if
people seek prevention and treatment of those non-covered health related
problems.
A health insurance is a pro-active measure and a timely decision. It’s more
helpful in prevention, as the saying goes, “prevention is better than cure”.
With a health insurance, there is a possibility of early detection of serious health
problems before they get serious, help in proper and timely management of
health problems and living a healthier, peaceful and longer life.
Now consider a health insurance.
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