Now look – you might well be happy walking around without any real cover, no protection against all those virulent little bugs merrily swimming through the air – but are your nearest and dearest that happy, that able to fend off such crippling attackers?
Imagine the air around you is thick and weighty, capable of supporting a mass like a swimming pool does. Now pretend the guy next to you coughs, sneezes or both – without putting his hand in front of his mouth the filthy man!
LOOK OUT – GERMS!! Swimming towards you through the air, lazy backstrokes bringing them nearer and nearer to you. You breath in, you can’t help it, you need oxygen and the influx of air grabs them and whips them deep into your lungs.
“Hmmm – moist. Warm. Food!” they think in one go and latch onto your innards and refuse to let go – infecting you and everyone else near you probably.
Now – a touch far flung and humorous I know but the concept is easy to follow – you might be happy getting every illness and bug known to man but what happens if you catch something that is seriously disabling and drains you completely. Something where you actually need treatment, drugs and care?
Yup – your health insurance kicks in and you get whisked away to a hospital where gorgeous nurses (I leave it to you as to whether or not they are male or female nurses!) tend to your every whim, fluffy pillows and duvets cocooning you in warmth as competent physicians tend your health back to a degree of solidity that a Redwood would envy.
Erm – pardon? You don’t what?
Don’t have Health Insurance or any Medical Cover?
Ha ha ha.
Oh, sorry. Thought you were joking.
Blimey – okay well, you’re not going to have much fun trying to pay for this little lot then, are you! Those nurses don’t come cheap pal and as for fluffy anything – forget that!
Now then – humor aside – (yes, that was funny! ish) hands up those who have no medical cover or insurance.
Hmm – too many.
Look guys & girls, with the fact you can now get a health and medical insurance quote online in a matter of seconds, let alone minutes, you’re mad not to be out there searching, refining and finally selecting medical insurance.
Try using a comparison website that will take your needs, cover specifics and illness details and search through literally hundreds of suppliers. They present the results back to you for you to see who’s best, cheapest, best cover etc etc etc.
With this type of research ability at your finger tips and the huge growth of cheaper premiums – you don’t really have an excuse for not being properly covered anymore – Do You!
Why is having health or medical insurance so important? There is certainly a misconception that medical insurance is only for the elderly and older folks. Many young adults and even some middle aged adults have this misconception that since they are still healthy and without any illness, they do not need this security blanket that a health insurance policy provides. Their argument is that the premiums are high and that they are not getting anything in return if they do not make use of the policy.
Perhaps, these people are ignorant or have not heard or read of young and healthy people who without any warning, suffer a health attack or succumb to cancer. This is not surprising considering the hectic lifestyle and the regular intake of unhealthy food in this fast moving world that we live in. In addition, unforeseen accidents, minor or major can happen anytime. Breaking an arm or a leg can happen anytime while playing basketball or football. In the tropics, many people young and old falls victims to dengue due to mosquito bites. Considering the rising cost of medical care, hospitalization, surgery and medicines, a visit to the hospitals for treatment can indeed set back your hard earned savings if you are not covered under a health insurance plan.
A well meaning financial planner will advise that a financial plan which would include managing your investment risks will not be complete without a comprehensive health and medical insurance policy with critical illness coverage and hospitalization and surgical (H&S) coverage. Indeed, a financial investment plan can be derail if one should suffer the tragedy of succumbing to any life threatening illness such as cancer, diabetes, etc causing the person to lose his job and income before the financial goal of his investment plan materialize. The cost of treatment which may be exorbitant from the hospital expenses and surgery needed would cause you to use up the emergency funds and in the worst scenario may require you to withdraw from investment program before it mature if a medical policy was not purchased earlier. One should realize that hospital treatment cost these days include not only surgery and medication but often diagnostic tests involving sophisticated equipments, physiotherapy, etc. hence, the rising exorbitant cost of medical treatment.
One reason why many people do not purchase a health and medical insurance is due to the opinion that their employers have already provided the medical coverage. They may not be aware that once they leave their company, the coverage will cease. Hence, they may be caught in a bind if they are terminated during an economic downturn. Premiums for this kind of policy are lower if you purchase coverage at a younger age and when you are still medically fit. Those who insure themselves when they are older and not medically fit may have to pay higher premiums or are subjected to certain exclusions. Older folks and those who have some form of illness will therefore find themselves in a very precarious position if they are terminated from their job and are without medical insurance.
In summary, having a health and medical insurance is important as a security blanket that you need to buy but hope never to have to use. A health plan will give you the necessary assurance that you have the finances when the need arises.
Health and medical insurance are a must if you don’t want to compromise on the quality of health care and at the same time reduce the cost to yourself. Many people tend to ignore health insurance because they think that an unforeseen emergency will never happen to them. However, the situations today are such that there are umpteen health hazards at home and in the workplace. At the same time, the stress levels in life have increased a lot, which add to the health hazards. There are a lot of instances of very young people developing serious lifestyle diseases like hypertension, diabetes, etc. If a major illness strikes you or any of your family members then it is advisable to be protected by sufficient health and medical insurance.
There are different types of health covers like private, family, business and group health insurance policies. The one that you buy depends on your requirements and one good way of analysing these requirements is to consult the insurance brokers that operate throughout the country. Otherwise also buying health insurance can be somewhat confusing with the largest number of companies out there each trying to claim that it is the best. In this situation, a reliable insurance broker will be able to guide you as to which company and which policy will be the best suited for you. Another thing that you need to keep in mind while opting for an insurance policy is that it should be customized for you. This is possible when you consult an independent insurance broker as they are associated with a large number of insurance companies. They will definitely be able to find a tailor made policy that will suit your requirements perfectly.
With the number of health insurance companies, it could be overwhelming to find a health insurance at competitive rates. There is a continuous rise in the cost of health and medical facilities, thus health insurance is a safer option to meet the needs, when arises.
There are several players in the market today, who offer competitive rates for individual health and medical insurance. With so much alluring plans around, it becomes extremely difficult to fix upon the one that will not only suit our needs but also help us save some money on the policy. Hence, if you are planning to buy a medical insurance plan, the best place to start is by making a comparative chart of benefits versus the premium rates offered by various players.
So, for instance, if you are in the United Kingdom, take note of all individual medical insurance plans offered by different firms in the area. You can get hold of the exact amount of premium you need to pay, as well as the coverage offered by each competitor in the market, easily. All you need to do is to give them your personal details, such as the age and home postcode, to get hold of a detailed quotation. With a few quotations from different insurance firms, you can start your initial verification and comparison processes.
There are certain factors that help you in your collation process.
The premium rates offered
The comprehensiveness of cover
The terms and conditions of the policy
Although your primary aim is to find the best and affordable policy, checking out the other two factors given above, will help you get hold of the best product, at a comparable rate.
Alternatively, if you find such comparisons and collations a tedious process, try out the insurance advisors to help you decide on a perfect plan. The insurance brokers or advisors can aid in picking out the cheapest individual medical insurance policy, and also can look into the comprehensiveness of cover as well as the terms and conditions. The best part is that there are brokers in the market who do the preliminary observations without charging you anything for their work.
So, buy the best individual medical policy in the market, either by comparing the policies yourselves or through a broker, to get a comprehensive medical cover for life, at an affordable rate. For more information regarding health insurance plans you can visit health insurance companies websites.