The Reasons Why We All Need A Health Insurance Policy


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There is a well known saying that your health is your wealth and it is incredibly pertinent in the world that we live in today. Many people think contrary to this and so they are obsessed with climbing the corporate ladder and making money and so they forget about their health and well-being. They are driving their stress levels through the roof and as a direct result, their health outcomes will suffer. For people who live a lifestyle like this, it is incredibly important to make sure that you have some kind of health policy in place to protect you when the time comes. People who are very career driven tend to have a lot of pressure in their lives and so they suffer from high blood pressure, diabetes and heart disease.

The Reasons Why We All Need A Health Insurance Policy

Even though their doctors tell them that they need to slow down, they ignore this advice and they continue on with their current lifestyle. If you are such a person, then you should know and you should appreciate the benefits of having health insurance in place so that when you are admitted to hospital, you can get the best care that is currently available and hopefully you will be back on your feet in no time at all. If you currently don’t have any health insurance then you are taking a great risk and you will not get to enjoy the many advantages of purchasing an individual health care plan. If you’re a little in the dark about these advantages then maybe the following can help to shine some light on it for you.

1. Medical expenses are covered

None of us want to have to make a medical decision based on the amount of finances that we have and so having the right insurance policy in place allows you to not have to worry about your finances and to get the best medical care possible which also includes dental emergencies. When you have the right individual health insurance plan, it will cover your hospital expenses, any day care procedures and ambulance charges if there are any. This allows you to focus on getting better after your illness without having the stress of worrying about who is going to pay for your care.

2. Critical illness cover

Even though you might get a health check every couple of years, this is no guarantee that you’re not going to run into health problems a little further down the road. You could get the bad news that you have some kind of life-threatening disease that was overlooked up until now and you may suffer a stroke, loss of limbs due to an industrial accident and many other things. If you are diagnosed as having a critical illness then you will be entitled to receive a lump sum amount and you can use this towards your treatment costs and a deserved holiday.

If you are a business person then you will also appreciate that having a healthcare plan provides you with some tax benefits as well. Any premiums that you pay towards your health care are eligible for tax deductions.


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