Health insurance is one of the most important insurance products, helping to protect you and your family from sudden medical expenses, ensuring effective health care when an incident occurs. In a world full of environmental fluctuations, epidemics and other factors affecting human health, participating in health insurances brings financial and mental peace of mind. This is a comprehensive health protection tool, helping participants not only cope with illness but also feel secure about treatment costs when they are unfortunately sick.
WHAT IS HEALTH INSURANCE?
Health insurances is a type of insurance that helps pay medical expenses for participants when they encounter health problems. This includes the costs of medical examination, treatment, surgery, long-term treatment and other medical services such as tests and medicines. When you take out health insurances, you will pay a regular premium to ensure that in the unfortunate event of illness or a medical emergency, you will receive financial support from the insurance company.
Health insurance not only helps you save on treatment costs but also helps you easily access high-quality medical services without worrying about financial burdens. Especially for illnesses that require long-term treatment or serious illnesses, health insurances will help you reduce the burden and increase your ability to recover.
BENEFITS OF HEALTH INSURANCE
Financial protection against expensive medical costs: Treatment of illness or surgery can be very expensive, especially for major surgeries or long-term treatment of serious illnesses. Health insurances helps you reduce this financial burden, providing a subsidy to cover medical expenses. This allows you to focus on recovering your health without worrying about finances.
Save on medical expenses: With health insurance, you will enjoy medical services at a much lower cost than the usual price. Insurance companies often have agreements with hospitals and clinics to provide services at preferential prices for insurance participants. This helps you save on medical expenses and avoid having to pay too much for each visit.
Long-term treatment support: If you have a long-term illness or need long-term treatment, health insurances will help pay for ongoing treatment costs, from medications to necessary medical services. This is especially important for people with chronic diseases such as diabetes, high blood pressure or cancer, where treatment costs can run into millions of VND per month.
High-quality medical services: One of the outstanding benefits of health insurances is the ability to access high-quality medical services without facing financial barriers. Insurance companies often have a network of reputable hospitals and medical facilities where customers can see and receive treatment from leading medical specialists and modern medical equipment. This ensures that you will receive the best care when you encounter health problems.
Disease prevention protection: Some health insurance programs provide regular health check-ups, helping you detect health problems early, thereby having timely treatment measures. These programs may include general health check-ups, early diagnosis of cancer, cardiovascular diseases or other diseases that can affect long-term health.
TYPES OF HEALTH INSURANCE
Individual health insurance: This is a type of insurance for a single participant, helping to pay for medical expenses when that person has a health problem. Individual health insurances can provide basic services such as medical examination, surgery and treatment, depending on the insurance package that the customer chooses. This is a suitable choice for independent people, without a family or wanting to protect themselves.
Family health insurances: This type of insurance is designed for families, helping to pay for medical expenses for all family members. Family health insurances helps reduce treatment costs for family members, from children to the elderly. Participating in family health insurances not only protects the health of members but also helps reduce the financial burden on the family when encountering medical incidents.
Group health insurances: This is a type of health insurance for organizations and businesses. When participating in group health insurances, employees in the organization or company will enjoy health care benefits at a lower cost than individual insurance. Group health insurance provides peace of mind for employees when they encounter health problems, while enhancing the company’s commitment and care for its employees.
Critical illness insurance: Critical illness insurance is a type of supplementary insurance that helps cover treatment costs when participants suffer from serious illnesses such as cancer, stroke, cardiovascular disease, kidney failure, etc. This is a very important insurance package, especially for those at risk of serious illnesses, because the cost of treating these illnesses can be very high.
FACTORS TO CONSIDER WHEN CHOOSING HEALTH INSURANCE
Health care needs: Before choosing health insurances, you need to clearly identify your and your family’s health care needs. If you have a medical history or are planning to have children, choose health insurances packages that provide benefits related to specialized medical examination and treatment, maternity or chronic diseases.
Financial capacity: Health insurance packages have different premiums, depending on the benefits and accompanying services. You need to choose an insurance package that suits your financial capacity. However, do not just choose insurance based on the lowest premium, but consider the benefits that the insurance package brings.
Hospital and medical facility network: Before signing a health insurance contract, you should check whether the insurance company cooperates with reputable hospitals and clinics. A wide and high-quality hospital network will help you easily access the best medical services when needed.
Terms and coverage: Read the terms and coverage of your health insurance contract carefully. Some insurance packages may exclude certain diseases, or have a limit on the number of medical visits per year. Understanding the terms will help you avoid surprises when using insurance services.
CONCLUSION
Health insurances is an indispensable part of each person’s financial and health protection plan. When participating in health insurances, you not only protect yourself but also protect your loved ones from the risks of illness and sudden treatment costs. Choosing the right health insurances will help you feel more secure in life, while saving on medical costs when necessary.
