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The Importance of Health Insurance

The Importance of Health Insurance

Being healthy, vigorous and active is totally important, and we all know that. But uncertain medical accidents can’t be predicted, and this certain misfortunes may not be good to our health. Living in world of progress gives focus to the performance of each individual involved in it. Every has their own part in making the society grow and progress but you may be left behind if you don’t protect yourself from health threatening diseases and accidents.  That is where personal health insurance coverage gives their importance, as to give us more time and much less effort in preparing to fight this sudden events. Even we are in good health, we cannot predict what might happen the next day, and this personal health insurance secures not only our life but as well as our future. Personal health insurance helps us prepare for what might happen to us the next time we experience health problems saving our life as well as our money for sudden unplanned medical expenditures.

There is a popular saying about health insurance: “Buy health insurance when you don’t want it, because you may not get it when you want it.” It is risky hot having a hold of your health and many do two common mistakes while buying a personal health insurance:

-People don’t act at the right time,

-When they realize that they have made a mistake they try to over-compensate by buying too much insurance.

As it was known by many, health insurance is provided by organizations which are mainly occupational, and this helps the middle-class and the lower class to compensate with their health. Did you know that having a personal health insurance decreases the mortality rate of people and gives more productivity to the employee; it is the reason why many employers have included health insurance plans for their workers as a help for both parties. Currently, majority of the salaried professionals are provided health insurance cover by their organizations. Majority of the employees are increasingly dependent on such health insurance cover to counter their health contingencies. However, they often fail to assess their health insurance requirements and don’t realize the benefits. It is advised that professionals opt for personal health insurance cover as well.

Having a personal health insurance is like saving your money for your life. And a better life gives us a better future and a better time with the ones we loved.  That is so dramatic but it is true that the money we spend in maintaining this health insurance do let us save but aside from the financial reasons, having a personal health insurance has other factors that we need to consider and these are the following:

Health insurance a Right or a law to have

It protects your future: Personal health insurance is that same as other insurance that you can’t fail to avail like car insurance and other insurance that assure that your future is protected. Personal health insurance helps you save the money that you may spend in case you experienced medical casualties. Medical expenses are much higher when you are not insured, it gives you more time and financial allowance and it makes you alert of odds that may happen to you. Here are some facts that you must know about the savings you get from getting a personal health insurance:

  • The average cost of a trip to the emergency room for an adult is about $700, not including any tests or hospitalization, which may increase the bill to well over $1,000.
  • A broken leg can cost up to $7,500.
  • Average expenses for childbirth are up to $8,800, and well over $10,000 for c-section delivery.
  • The total cost of a hip replacement can run a whopping $32,000.


But to those who are in a personal health insurance, the expenses are expected to be much less as compared to the normal rates of the hospital bills that were issued as soon as possible.

It gives you peace of mind: Being in a health insurance gives you mush less financial burden which is sometimes a cause of stress. Being prepared gives you more time to relax and think of other important things to do aside from your health as it was covered by your personal health insurance.

It gives you a higher chance of having the quality care you need: some health insurance have the specialty on a certain field of medicine which gives you the option to customize and focus your personal health care plan to what you really need and throw away the things that are not that needed in your condition. Some personal health insurance provider gives quality medical care as they have partners that give the highest quality of service that you really want to have.  Also having a personal health insurance makes you suffer less from low quality service of different state hospitals thus making you safer and more secure with your health.

Access to Affordable  Health Care: having a health insurance helps you to save much of your money as it gives you the access to a not so affordable health care but their discounts and promos can make the expenses reduced greatly depending on their rates.  Some laws have also been enacted to serve the less fortunate citizens which acts like a super affordable health insurance.  If you say that having a personal health insurance is too expensive, better think again cause personal health insurance are not only dependable but it gives you less medical expenses.

It lets you manage more of your time: Because accidents may consume your time and damage your schedule, health insurance gives you more of the time you need to your work and to other important things than your health. It gives you much less time with the process as you have prepared for it but at the same time gives you the quality of service that you need.

Why health insurance? The answer is simply because our health is the most important of all, and we must value it if we want to have a quality life with the ones we loved, so why worry if you spend money with these health insurances if it will give you more of what’s important to you.

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