Health Insurance in Nigeria
Health Insurance: Why DO We Need Health Insurance?
We all have grown up hearing phrases
like ‘health is wealth’ and there is no denying the fact that health is
certainly the most important aspect of an individual’s life. Each one of
us does everything in our capacity to ensure our well-being but
sometimes even these precautions don’t prove to be enough. Health and
medical issues can knock one’s doors on any day and at anytime and leave
an individual exhausted and weak, not just physically but financially
as well. The financial crunch during the time of medical urgency can be
very well handled if an individual is in hold of a comprehensive health
insurance policy.
Health insurance is one of the most
popular kinds of insurance policies that cover an individual’s risk
against incurring medical expenses. One could easily find a number of
insurance companies offering several types of health insurance policies
that tend to cover one or more of medical situations. The common
benefits offered to policyholders under these insurance plans include
reimbursement of prescriptions and medical equipments, doctor visits and
preventive care. The benefits offered in a health insurance policy
often differ as per the premium of the policy, coverage amount, age and
income of the individual planning to take up insurance cover.
Health insurance is one of those things
that none of us thinks about on daily basis. Most of us just grab on the
first policy that seems attractive to us and keep it locked in our
lockers till the time our health deteriorates. People taking up these
policies are simply unaware of the coverage and financial support they
would receive as reimbursements of their medical bills, which often
leads to numerous litigation. Policy holders are often unaware of the
numerous medical expenses that insurance companies tend to exclude from
the coverage portion which leads to lot of deliberations and ultimately
proves troublesome for the policyholders.
There are no sure shot ways of identifying an ideal health insurance
policy but there are a few things, paying attention on which could save
a policyholder from a lot of trouble. Pay attention to these things and
grab the ideal deal on health insurance for yourself:
- Premium is important
Always choose a healthy insurance policy
keeping in mind your financial condition. Policies having great
coverage and exorbitant premiums might not prove ideal for salaried
people. Never ever ignore the payment of premium as non-payment of this
amount could make your policy lapse and can devoid you of all benefits.
- Compare Benefits of various policies
Carefully analyze the benefits offered
and excluded by several policy covers, compare them and then take up the
final decision of buying the one suiting your needs.
- Getting Health Insurance quotes is a necessity
Almost every health insurance company
offers the facility of getting free insurance quotes to its potential
buyers and every person desirous of taking up such policies must take
advantage of this feature. Insurance quotes give you quick insights into
the features, benefits and money value involved in a policy cover and
provide much needed transparency for the potential buyers.
These quotes wipe out the confusions
relating to the amount of premium and benefits one would get in
reciprocity and helps one compare many policies simultaneously. This is
the reason why getting health insurance quotes can be regarded as a necessary activity for every potential policyholder of health insurance.
0 Response to "Health Insurance in Nigeria"
Post a Comment