Insurance is quite important for everyone, especially insurance for health, all diseases can attack anyone and at any time. Actually, what is the reason someone needs health insurance?
Various reasons why having health insurance is necessary
Who wants to be sick or injured? Nothing, everyone certainly wants to live healthy all the time, including you. Not only does the activity hamper, pain also requires medical and maintenance costs that are sometimes not cheap. That is why health is expensive. Here are some reasons that might be a consideration for you to immediately have insurance for health.
1. Relieve medical expenses when you need
No one knows when they will get sick. When the body starts showing symptoms, then you realize that your body is not fit. The disease you experience is varied, can be mild or severe. For minor ailments, it may be cured with non-prescription drugs that can be purchased at the pharmacy.
Conversely, if you have a severe illness you definitely need a doctor's examination, medical tests, medication, even hospitalization. All of that requires a lot of money.
If your finances are running low, of course you will find it hard to pay, right? This is one of the reasons why you need to have health insurance. This insurance can help reduce the cost of treatment and care that you have to spend.
2. Reducing the risk of financial problems
Unexpected expenses can cause problems with your finances, one of which is hospital fees. Especially if you have a chronic disease, such as heart disease, kidney disease, or diabetes that needs regular and ongoing treatment.
If this keeps happening, your financial possibilities will get worse. With the fees you pay on the insurance side, chances are the costs for treatment will be lighter. So, the risk of bankruptcy is because medical expenses can be reduced.
3. Helps you to treat diseases
Financial problems can be your obstacle to getting the right treatment. Especially in medical procedures that cost a lot of money. As a result, your condition can get worse and complications can occur.
The medical expenses alleviated by insurance provide an opportunity for you to get a faster, better and more appropriate treatment.
4. Makes it easy for you when asked to go outpatient
Not all diseases require hospitalization, but still have to take outpatient care. Well, besides hospitalization, another advantage if you have health insurance is that you can do treatment at home with outpatient care.
This can include the cost of consulting a general practitioner or specialist, medication, or various recommended medical devices.
5. Helps you get better treatment
Domestic health facilities that do not support you can prevent you from treating diseases. One of the advantages of insurance is that you can apply for treatment abroad. In fact, it can be used for things that are not planned. For example, experiencing pain when traveling abroad. Insurance can reduce the costs you incur for treatment.
But, there are some important things that you should know
The benefits you get from health insurance are in accordance with the agreement that you have agreed with the insurance company. The ease of obtaining treatment also has limits. Then, not all diseases can be borne or reduced by insurance costs.
For example, a health insurance program issued by the government, namely BPJS. The BPJS does not cover the costs of treatment and treatment of diseases due to drug or alcohol dependence, plastic surgery, or orthodontics.
Then, some private insurance also generally has a maximum use of funds each year for outpatient care.
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