One thing that’s uncertain in this world is life itself. No one knows what’s going to happen tomorrow. Maybe today, you’re in your best form, the next day, sickness hits you like a storm. That’s the absolute reality, but it doesn’t mean we can’t do something about it, does it?
Since you’re a professional who’s always on the go, it’s just fitting to take the extra mile to be the captain of your own ship- your body. Eating the right food and exercising regularly can be a huge help in maintaining a healthy mind and body, but getting a medical insurance for you and your family is a foolproof plan to prepare yourself for the worst. The moment you accept that some things can happen beyond your control, the sooner you’ll realize why medical insurance is best for you and your family.
Read on below why medical insurance is best for you. Take them into mind and heart, and be prepared for anything that comes your way.
What is a medical insurance?
Medical Insurance covers an insured individual’s cost for medical expenses. You’re in good hands if you’re already insured in your home country. However, it’s important to know that there’s a possibility that your coverage may not be suitable for when you’re overseas. Terms may vary from country to country. Hence, it’s essential that you ask your insurer about the scope and limitations of your insurance.
In the Philippines, the most common form of insurance is the HMO or Health Maintenance Organization. An HMO is a health benefit that is given by private companies to its employees. This enables individuals to avail a wide range of medical services from the insurance company’s network of providers and members. Some employers offer extensions to your dependents for free, while others require a monthly minimum cost. Thus, if you want to get checked up if you’re not feeling well, you may visit the nearest partner clinic or hospital of your HMO. It’s mostly free of charge, unless you need more tests that are not part of your coverage.
Since you’re an expat, it’s a wise idea to discuss your medical insurance with your employer while you’re negotiating your terms with them. If for some reason this is not included in your relocation package, you can choose to get your own local insurance or perhaps, find a global health insurance that you may use from country to country. This helps provide the protection you and your family need in case of any emergency while you’re living abroad.
More than knowing about these health benefits, it’s vital to understand why medical insurance is the best for you.
Health is Wealth
You may have had relocated to a new country more than once and you know that getting sick in a foreign land can be quite difficult for you and your family, depending on the kind of sickness you experience. Of course, you’d want to get the best treatment when you get ill. With a medical insurance, you don’t have to fear if a hospital will take you in instantly. Think of the relief this brings to anyone. Relieve your life from having to stress out whether you’ll get the immediate care when you need it. Perhaps, this alone is a good reason why medical insurance is best for you.
Medical insurance saves you more money
Because you pay for a monthly premium for your medical insurance, this gives you the advantage of spending little amount when you see a doctor or get admitted to a hospital. This is most helpful when you need to go to the hospital several times a year. Imagine the pile of bills on your countertop when you don’t have a medical insurance versus when you’re actually covered. Doesn’t that give you enough comfort? You may be healthy now, but tomorrow never knows. You may have money now, but when you get sick, you may lose all the money you’ve saved all your life.
Prevention is the best cure
When you have a medical insurance, you can visit your doctor for routine check up. This way, you may avoid more serious health problems when you treat them beforehand. Don’t wait until you’re dying to get the best cure. Start understanding your body now while you’re healthy to avoid tantamount incurable problems in the future.
You are worthy
If you are still looking for reasons why medical insurance is best for you, know that your worth is more than enough reason to avail one. You matter to your family, friends and colleagues. If you can insure your car and your house, why can’t you do the same for your health?
So the second you feel there’s something wrong with any part of your body, don’t hesitate to consult your doctor using your medical insurance. It’s truly the best gift you can ever give yourself and your loved ones.