Today, with conditions of health issues and rise in the price of health care sector, going for a health insurance policy is the best decision you can make towards your happy and healthy life. In countries like the USA, health insurance has become compulsory for every citizen. Otherwise, they have to pay a tax penalty. You can understand the importance of Health Insurance from this rule in the USA.
Health insurance is an insurance against the medical cost incurred by the insured person. The money incurred is paid directly or reimbursed by the insurer. Low premium is offered in health insurance policy for young people, and the premium depends on upon your current medical condition and hospital services you choose. It is very much essential for both health and wealth.
Below are amazing the benefits of buying a health insurance policy in the USA:
- Peace of MindAccording to the WHO report, the major reasons for death in the USA are heart disease, chronic obstructive pulmonary diseases, and stroke. Due to the rising health issue in all age groups, people are always worried about the bad conditions through which they have to go, or their loved one have to go, if found with any need of hospitalization and medication. Health Insurance policy allows you to be free from the worry of a doctor, payment and good facilities at the hospital.
- Cashless TreatmentThe arrangement of the huge amount of cash at the time of emergency becomes a headache for people, and this can be efficiently done if you have a health insurance policy. Health Insurance policy allows you to go for cashless treatment in a network hospital, which is a great relief for people struck with an emergency condition and also for people who can’t afford costly medical treatment.
- Pre and Post Hospitalization cost
Emergency situations are not the only cases in which Health insurance policy helps you. It covers your pre and posts hospitalization cost. Pre-hospitalization cost includes the charges related to checkups like a blood test, X-ray which is done before hospitalization and Post hospitalization cost includes expenses incurred after hospitalization. In both the cases, the insurer can claim for both types of the cost incurred at the hospital. Some days in pre and post hospitalization cost is different for different companies.
Even if you are young or healthy, health insurance is a compulsion for all those individuals who want to live a healthy and secure life without incurring huge amount in medical expenses. Think about your health expense in future, medical condition, health requirements and then choose the best health insurance policy so that you get the maximum benefit out of it