You Need to Get a Health Insurance Today and Here’s Why

A man, after working for over 30 years, saves money for early retirement. But he sadly did not opt for a health insurance policy. So when he was diagnosed with kidney failure, all of his savings went into his medical treatment.

Sounds familiar, right? The same thing might happen to someone you know, or even worse to you. People tend to overlook the importance of health insurance. Although the fact remains that most of us do want to avail, but only a few would do so. The reason? Procrastination.

What’s in it for you?

Sometimes, you might think, “What’s the use of health insurance?” You and your family are healthy, alive, and kicking. But what if something happens to you, or worse, with your spouse or kids? You will be thankful to have an insurance cover.

Let us take note of the importance of being covered by health insurance:

1. First and foremost, health insurance protects you from financial and health crisis.
2. You are also protected from high medical bills.
3. And if you are able to do so, you can even pay less before your plan’s deductible.
4. Are you aware that penalization is a possibility of not having a health insurance policy?
5. This might not be the last, but definitely not the least as well, you will have peace of mind knowing that you and your family will not face financial difficulty in case of a medical emergency.

Given are ample reasons why you should get one. You see the value. You know the importance, and yet, you are still in denial, and you procrastinate. Think smart, and think of the future. All of us, whether we like it or not, will somehow, along the way, acquire certain illnesses. Don’t be too easy today and find later on that it’s hard to pay medical bills.

If you are diagnosed with cancer, stroke, or heart attack, what do you think your doctor is going to ask you?

1. How many cars do you have?
2. How many signature bags and shoes have you collected?
3. What insurance do you have?

These are the reasons why you should avail of health insurance. Let’s sum them up. Coverage for you and your family, and less worry for financial risk. You don’t need to think that it’s expensive to have one, what you should be thinking is it’s going to be far more costly to pay medical obligation.

Why should you get covered today?

You should be in a hurry and get insurance as early as possible; otherwise, health insurance companies will not provide any coverage to you if you have this so-called “pre-existing medical condition.” What is a pre-existing medical condition? You should fully understand what this term means. It is a medical condition that you have at present before availing of a health insurance policy.

So to be clear, pre-existing medical conditions include, but are not limited to, dangerous conditions such as dementia, heart failure, cancer, etc. While those considered as less severe conditions include asthma, high blood pressure, minor dental problems, and the like, if you and your family are not suffering from any of these illnesses at the moment, then you might as well acquire health insurance as soon as possible.

However, there are certain health insurance companies that are seldom willing to give you coverage despite the fact that you or any family member is suffering from pre-existing medical conditions. So you need to make sure you check out the different health insurance policies as well as their terms and conditions. You might find one that suits your budget and your pre-existing medical issue. And never forget to check if your family membered are also covered by the policy you’re getting.

Why do you need to be 100% transparent?

But the rule of thumb. NEVER hide, or even try to hide any pre-existing medical issue. Once found out, by means or any circumstances, it is possible for them to reject any claims from you. So be honest and tell the truth. It is far better to say to them the real score than hiding from them, as it would possibly lead to claim rejection.

Remember that health insurance is a necessity and should not be considered a burden. You’ll never know when you will need it. A person insured will surely request for the best available doctor, while a person who is not insured will request to go home and be treated by over-the-counter medicines. Which one are you? The choice is yours but better choose wisely.