Health Insurance is equally important as Life Insurance but yet sometimes, people just take for granted the need for it, especially in the long term. Most people we know are employed, in some way or other and more often than not, the employment does come with some fringe benefits like Health/Medical/Hospital Insurance given by the company, or employer. And in some countries, it even extends to State-Managed Health Care Plans.
However, with these benefits, come the downside. In most situations, the extend of cover for such plans are usually kept to the barest minimums (unless of course, if one is middle, or even top management staff, where the coverage is normally pretty decent). Thus, it is important to know what you are covered for in your company's Health Insurance Plan, lest should you get a rude shock one day !
Another reason why some don't see the need for Health Insurance, is the common fallacies of "I'm just too young to be ill" or "Nah, it wouldn't happen to me" or even "my family has a good history of being healthy". Adopting such attitudes is just too dangerous...for the pocket !
And for some, the failure to plan for
future Health Insurance needs, are met with disbelieve when they are not granted the Health Insurance they apply for at a time when they are
no longer gainfully employed. Having a portable Health Insurance Plan would help solve this problem.
Do you see yourself, as one of those mentioned in the above article? If yes, then I would strongly suggest that you take some time to speak to your adviser, to outline the plans you might want take in ensuring that your needs are fully taken care of, should you be faced with an unfortunate event happening.
