Health Insurance

Importance of Health Insurance

importance of health insurance
File Photo / Dental insurance, dental care concept. Dental insurance form, tooth.

Why Health Insurance Is Important

As an  individual you consider having a health insurance plan, it is important because the health insurance coverage helps you in many ways like it can assist people get timely medical care and improves their lives and health.


Knowing the importance of Health insurance coverage can turn out to be a live saver on the long run. People most often  approach their health status consideration in light of the fact that they can generally get help easily when the need arises.

Be that as it may, even places with good health standard and practices considered at a high level never reduce the problems that may arise if you are not covered, and with such high health standard, you cannot compare yourself to people with  health insurance coverage.


It is better to have a health insurance coverage in place so that even on low budget you can have access to medical care through your coverage provider. Uninsured people are vulnerable to several health risk that may arise from certain circumstances.


Importance of health insurance


  1. Uninsured people get low attention when it comes to medical care.

They get reduced health care when ever the need arises, they get less quality health care consideration.

By and large, uninsured people out there get about half to such an extent very minimal care. Uninsured people get their own cover as a private cover because they pay their medical bills right from their pockets which is not always a good practice.

This inconsistency remains constant notwithstanding when spending is altered for age, pay, your status as a person in the society, and different aspects. Adults that are not covered by a health insurance plan get less preventive and screening checkups.

Bad news are always reported for some kinds of ailment or condition, counting screening for cervical and bosom disease as well as testing for hypertension or cholesterol. Malignancies, for instance, are bound to be analyzed at a later phase of sickness, when treatment is less successful.  Pregnant women that are not covered have low care during the pre birth period , and uninsured children and grown-ups are less likely than their uninsured partners to report having a normal wellspring of consideration, to see doctors, or on the other hand to get all suggested treatment.


In some conditions there may be shortfalls as some medical conditions may not receive the much needed care.

Some uninsured people may choose not to get insurance cover on the grounds that they their status does not  require medicinal attention, and this can be misleading for people that haven’t heard about getting a cover .


Notwithstanding, numerous analysis  change for things like the age of the person and social status that effect requirement for medical consideration. One ongoing investigation analyzed people who experienced inadvertent illness or another constant condition—times when care is all the more obviously required.

Uninsured people are not likely  to acquire any medical consideration, and on the off chance that they received a few medical consideration, they were bound to get none of the suggested follow-up consideration.



  1. Uninsured people have more awful  outcomes.

The “main concern” for uninsured people is that they are to fall sick and possibly pass on than people that are covered by an insurance plan.

Proof originates from numerous investigations utilizing an assortment of information sources and distinctive strategies for investigation. As an uninsured person, there is always fear concerning your health status. An is because if an eergency case occurs, you and your health will be in trouble due to absence of cover and it may cost you more from your pocket when settling your medical bills.

Always do well to create an insurance cover for yourself or your loved ones. At least there should be some form of protection in your life that can stand for you when the need arises.

Some many people are ignorant of the importance of health insurance cover, and that is the main reason why they are not covered.


  1. Absence of protection is a financial burden for uninsured people and their families.

Uninsured people always spend more on their  medicinal  care  because whatever bill that comes up is being paid out from their pocket. They end up spending huge somes of money from their pocket for themselves and there family. Think of it, after spending more on your health, you’ll still have to spend on your family, so it becomes a huge burden to ypu. However if you had a working health insurance cover, you will spend less and your insurance company will cover the rest for you. Sometimes the little you might spend iq

Up to this point, people without a health insurance cover were charged full of health facility charges, for example, the low wages of a few patients qualify them for philanthropy care, however others have regularly been dunned for unpaid bills. Once you have a health insurance over protecting you and your family, you’ll no longer worry about the medical bills of your family.

It is always true that families that have no insurance cover report more hospital expense issues at a higher  rate either twofold or triple  rate most times than  families that are covered with an insurance plan, and the expenses of a doctor’s visit has been discovered to be a contributing factor in up to 6 percent cases or a greater than that number, as indicated by different studies carried out by different bodies.


Having a health insurance plan in is important aspect of ones life and is very necessary and should be treated like a serious aspect of life obligation or duties.

An ongoing development to decrease charges for the uninsured people out there has picked up quality among open authorities and from health centers, and it might have mitigated this issue.

Although having a health insurance plan may cost you higher, but you should consider protecting your life and that of your family thus ignoring the cost it may incur to get a cover. Health insurance plans  are expensive because the providers or companies spend a lot to provide the quality services they offer. And if the cost is decreased, it will affect them and their operation.


  1. The advantages of extending your health insurance cover eliminates further expenses that may arise .


Extending your health insurance cover would enhance your health more, extend lives, reduce risk, help control communicable diseases, and raise efficiency. What you should know is that families or people that are covered will get the best care compared to what they pay out of their own pocket or treatment from a private care unit or get from doctors . This can be anticipated that would raise your health care spending, yet by not exactly the estimation of life span and different advantages accomplished.


Four reasons  why you should  think about medical coverage


  1. Distinctive medical coverage approaches can offer unique advantages, and some can restrain which specialists, health centers, or then again different doctors you can visit.


  1. You may need to pay a deductible each time of year before your insurance company begins to pay for your care. For instance, suppose your deductible is $200. You have a $1,250 problem arising from room visit. You pay the first $200 to cover the deductible, and after that your protection begins to pay its offer.


  1. You may need to pay coinsurance or a co-payment so that you can get medical attention, like a doctor’s visit, health facility outpatient visit, or a solution from your  insurance company. Coinsurance is generally a rate sum (for instance, 20% of the add cost). A co payment is generally a settled sum (for model, $10 or $20 for a medical care or specialist visit).


  1. Medical coverage creates contract with network of doctors, health facilities, specialists, drug stores, and human services suppliers. Medical coverage helps pay costs when you need medical care. Nobody intends to become ill or sick, yet the vast majority require medicinal attention sooner or later. Medical coverage helps pay for these expenses and protects you from high costs.


Medical coverage is simply there to protect you fully when you need medical attention without making you spend more from your pocket, instead all expense are covered by the medical insurance company you have a policy with. every company or insurer differ from the other, so before you make the move to secure a cover for your self and your family, you should take time to investigate fully on the companies and their rates.

Importance of health insurance well explained


Think about, living without a health insurance cover? You are always vulnerable to unforeseen circumstances. Living without a health insurance cover is like playing with your overall health status.

If you have an active health insurance cover, there is always a guarantee that your health will be taken care of whenever you need medical attention. Your insurance company is always on alert waiting for any news from your end because they spend more to make sure you are alright. Health insurance is an  important aspect in your life that you should never ignore or joke with, because if cover your medical care.

In cases where you are low on budget, your company automatically takes care of your medical bill without you spending a dime from your pocket. Also you get a chance to meet with highly qualified doctors from time to time to check your health status. Some health insurance company offer home services, where doctors visit there patients at home whenever they need their attention.

Uninsured people suffer most when it comes to medical attention, and there is no one to come to their aid during such period, it becomes a big issue. But when you are covered by a health insurance cover, your company turns up, covering every medical bill spent during treat or taking you to their network of health centers or doctors. It is beneficial to have a health insurance cover if you care more about your health as an individual.

People who care more about there health never joke with their health. Some  people also go as far as increasing their deductible whenever they have money to spend on themselves. Of course increasing your deductible is a prudent step towards improving your health insurgence cover.

Some people shy away from getting a health insurance cover because they think getting a cover is very expensive and stressful to maintain, however having such mindset is wrong. There are different types of health insurance out there you can choose from. You can also consider joining a government initiated health insurance cover and simply upgrade when you feel is right. Most government initiated health insurance cover is usually cheap, so you can start from there to choose a cover.


The Benefits of having a health insurance cover


Improvement in medical attention

Once you have a cover, there comes a sudden improvement on your health status because you now receive regular medical checkup which also maybe deeply influenced by the type of cover you choose from. Years back when people less about health and its importance, people wait till the fall seek before seeking for medical attention and some end up with a negative result because it was already too late for them and the chances of survival became low.

So, once you are having an active health insurance you will likely receive regular medical attention compare to when you where not insured.


Rest of mind

Once you are covered, you’ll have completely rest of mind without having fear about your health. My colleague was once an uninsured person. and he had lots of fears about his health which in spending more money to seek for medical care in private hospitals. But he later heard about health insurance cover and its benefits. So the information he got about it made him to seek for a cover instantly. Right now he has rest of mind having less worries about his health status. He is always alert when it comes to his health.


Saves more money from medical care


Once you have a health insurance cover in place, your spend less from your pocket as a result of protection or cover from your company. Since your company takes charge of your medical bills, you no longer worry about paying for your medical bills from your own pocket. Think of it, visiting a private health care centers will cost you more compared to when your company provides all for you. One of the things you should always do is to increase your deductible because it may be of help to you in the future.

Health insurance often seen as expensive and is because health insurance company spend a lot in order to provide quality services to people they have working contract with.


Major types of health insurance cover you can choose from


  1. Traditional Health Insurance plan
  2. Fee for service or indemnity health insurance plan
  3. Health maintenance organization (HMO) Health Insurance plans
  4. Managed care health insurance plan
  5. Preferred Provider Organizations (PPOs)
  6. Point of service health insurance plan
  7. Exclusive Provider Organization Health Insurance plans
  8. Qualified small employer health reimbursement arrangements health insurance plans
  9. Health savings account health insurance plan

You can choose from these types of health insurance cover. Some are cheap and affordable while others are a little bit expensive. If you cannot go for the expensive one, you can start with the cheaper ones.


Health insurance is an important aspect of our lives that we should never joke with. Always seek for a cover if you dont have one always extend your existing cover. Health insurance cover can save you from extra medical bill due to visit on private health centers.

Most families with an insurance cover tend to leave happily than uninsured families. Do well to grab a cover. If you are still not convinced, you can walk into any company and seek for enlightenment on the importance of health insurance

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