Why Health Insurance is a Must Have in 2021

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Nothing beats that wave of relief you get when a challenge gets solved without hassle.

Imagine that you are having a persistent headache, despite the use of pain relief; the next point of action would be to go to a nearby hospital for a checkup.

Arriving at the hospital, a file is opened as it’s your first time in order to have a record, then you are assessed by a Doctor immediately your temperature, pulse, blood pressure, pulse and weight are taken and documented.

On listening to your complaints, you’re counseled to be admitted as your blood pressure reading is high to avoid complications. Would you be able to afford the financial cost of accepting the admission?

It would be easy to comply if you were on a health plan as the admission would cost you nothing, which begs the question, what is a health insurance cover, how does it work and why do I need it?

What is a Health Insurance Cover?

A health insurance cover /plan is a form of insurance that pays for the insured’s medical, surgical, medication prescription and occasionally dental costs.

Health insurance may also pay the insured for costs generated as a result of sickness or injury or directly pay the care provider/hospital.

The “insured” in this context means someone who is financially protected by an insurance company.

How does Health Insurance work?

Simply put, a health insurance company you are registered with pays the hospital you receive care or medications from.

A great number of companies/industries, as a way of encouraging quality attitude towards productivity, include a workplace compensation package in form of a health cover for employees and their family members, with premiums partly paid by the employer but also often deducted from the employee’s paychecks.

Why do I need to Get a Health Insurance Cover?

You may have thought about it before as a waste of investment since you barely fall ill. The truth is no one plans to fall sick or sustain an injury.

The current CoronaVirus pandemic has taught mankind that medical emergency can provoke financial instability as there is a rising cost in important materials used in the healthcare system such as gloves which further increases medical fees.

Acquiring Health Insurance Cover for yourself and family can protect you from medical bills that may strain your finances as well as help with the following;

1. Prevention from killer diseases

Diabetes, hypertension, tuberculosis and cancer are killer diseases that can be prevented or treated at their early stage when you go for a checkup from time to time.

Although, you may be taking caution regarding what you eat, exercise, sleep and rest but choosing to opt in for a health plan that covers routine medical testing will help to detect these diseases early and make medical costs easier to take care of, leaving you with one less thing to think about.

2. Protection of family members

The peace of mind you get confident that your family is covered when you are not around is golden.

You don’t have to stress yourself with thinking about the best medical treatment there is when all has been figured out with the health insurance company.

3. Helping with medical inflation

It does not matter if the fee of consultation or surgery is very high, as long as you are on a health insurance cover, you will not be affected.

Most times, hospitalization is unplanned. Dealing with medical expenses will become a thing of the past if you get an insurance plan today.

4. Boost your savings

When you are on a health insurance plan, you can focus on your savings and financial stability because there is no health related emergency you are not prepared for.

5. Proper health maintenance

From dental care to regularly exercising in a gym even ante natal care, health insurance plan offers the opportunity to engage in activities that maintains health in an optimal state.

How Can I get started on a Health Insurance Cover?

There are several health maintenance organizations (HMOs) in Nigeria that offer mouth watering health cover at an affordable monthly/yearly rate.  Some of which include Hygeia, Total Health Trust, Integrated Healthcare Limited, Avon, Mediplan Healthcare Limited etc.

To know more about them, visit this page to know their offers and how you can get started with ease.

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