However, in case you have ever been
asked why people continue to speak about health insurance, the reason is easy
to explain it is one of the best investments you can ever make towards your
health and your pocket. The fact is that, the expenses in the healthcare are
increasing year after year and without insurance, even a five-minute hospital
emergency will cause an enormous financial setback. It is why it is such an
important point to learn the fundamentals of health insurance.
I would like to provide 10 facts
about health insurance in this post that would enable you to understand why it
is not a mere monthly premium but a feeling of peace of mind.
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1. First Protection by the money.
Financial protection is the largest
motivation behind the purchase of health insurance by individuals. The cost of
medical expenses may rise fast following an accident, surgery or severe
illness. Via the right plan, you will not need to empty your savings account or
live up to a debt to pay them.
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2. Health Insurance Provides Quality
care.
Among the best facts concerning
health insurance, one should point out that it allows having a greater access
to private hospitals, specialized physicians, and high level of treatments
which were previously unaffordable. In a simple expression- insurance opens the
gate to quality healthcare.
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3. Preventative Care Is Majorly
Included.
It is easy to believe that the most
important time of health insurance is when you are not well which is not always
the case. Preventive care such as annual check-ups, vaccinations and screenings
are also included in most plans. This allows you to be healthier and identify
possible problems in time.
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4. Life is Easier with Cashless
Hospitalization.
Nobody would like to transact with
cash during a crisis. A wide range of insurance firms have cashless
hospitalization where the payments go directly between the hospital and the
insurance company. It is among the most feasible aspects of health insurance
that you will be glad to know the moment you require medical attention.
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5. Entire Family Coverage.
Health insurance also does not only
apply to individuals but you have an option to take family floater that covers
your spouse, children and in some cases, your parents. It is a single premium,
yet coverage of all of them on a single umbrella.
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6. Costs Incurred Before and after
Hospitalization
Did you realize that you are insured
not just when you are in the hospital? Even most of the policies cover
pre-admission (such as tests and scans) and post-admission (such as medicines
and follow-up visits) costs. That is all inclusive coverage!
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7. Day care procedures are also
present.
You do not always need to be taken
over to the hospital to get treated. Cataract surgery, dialysis or chemotherapy
are also classified as daycare procedures- and are also covered in most plans
by the insurance.
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8. Tax Benefits Are a Bonus
It is a nice detail that purchasing
health insurance can also lessen the fiscal load on your wallet. Most countries
provide tax deductions on premiums remitted to the health insurers. That is
twofold the gain: health insurance and money saved.
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9. Peace of Mind Is Priceless
No matter all the features and
referring to the technical aspects, health insurance is really worth the peace
of mind. The assurance that you are safe makes you sure that you are working on
your healing rather than spending money worrying.
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10. Plans Vary, So Compare
invariably.
Our final fact that is related to health
insurance is that not every plan is equal. The premiums, limit of coverage,
networks of hospitals, and process of claims differ. Always check on more than
one health insuring company then select the health insuring company that suits
you.
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Final Thoughts
Health insurance isn’t any bill, it
is a kind of financial blanket, an entry point to quality care and a choice
which is financially wise in time representing your family. Knowing such 10
facts about health insurance, you can imagine why it is one of the safety nets
of the first importance nowadays.
Next time someone comes to you and
says to you, do I really need health insurance? You will know the answer:
absolutely yes. Keep up to the new healthcare policy, also keep your money and
guarantee yourself a stress-free mind, you will be thanking later.
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