Health Insurance
Why Do You Need Health Insurance?
Health insurance can cover many of the costs incurred if you or a loved one becomes ill or gets injured. This could be anticipated or sudden but most health plans will provide you with a network of participating doctors, specialists, other health care practitioners, and facilities to choose from. Having a health insurance plan in place also encourages you to visit your doctor for annual check-ups and other preventive care hence promoting better health. This helps you identify/diagnose any health issues early before it becomes serious.
Without health insurance, you may find the costs associated with any medical procedures or medical emergencies very high and in some cases unaffordable. Having health insurance gives you that stress free piece of mind.
International Health Insurance
Comprehensive international health insurance provides access to quality private health care regardless of the type of local healthcare system in place. You will have global health coverage with access to the best doctors and medical facilities . This can often include private medical care locally, regionally and internationally.
- Valued Policy: Under Valued Policy, the value of a subject matter is decided, upon which the insurer pays if it is destroyed or damaged.
- Specific Policy: This policy pays up to the specific amount that the risk is insured for.
What Does Health Insurance Cover?
Depending on the level of cover you decide to get, you’ll be covered for most health related matters. This includes surgeries, cancer treatment, heart attacks, medical emergencies, physiotherapy, mental healthcare, dental and vision, maternity care, medical evacuation and many more.
Inpatient
Inpatient care covers any medical services that require admission into a hospital. This mostly involves serious ailments and trauma requiring prolonged monitoring and care. You would need to be hospitalized overnight or longer.
Outpatient
Outpatient care covers medical treatment that does not require an overnight stay at a medical facility. Once covered by an outpatient care plan, policyholders have the benefit of seeing a doctor, specialist, nurse, or physiotherapist directly by arranging an appointment prior to attending.
Health and Well-being
Health and Well-being coverage provides cover for screenings, tests, examinations, and counseling support for various conditions including treatment for mental health conditions, disorders, and addiction.
Maternity
Maternity insurance coverage is a type of protection that specifically applies to pregnant women and this covers, prenatal, maternity, and new born care.
Vision and Dental
Vision care provides coverage for the beneficiary’s routine eye examination a cost for eyeglasses and lenses.
Evacuation
Medical Evacuation coverage provides cover for transportation costs for emergency medical treatment, repatriation, and compassionate visits for the family members of a beneficiary.
Types of Health Insurance
- Private Health: Private Health provides comprehensive cover for a wide range of medical conditions, covering costs like specialist consultations, diagnostic imaging and testing, hospitalization and surgeries – all at a time, location and with a medical provider of your choice.
- Cancer Care: Cancer Care is specialized health insurance that helps cover costs for cancer diagnosis, treatment, and recovery. It provides unlimited cover for cancer surgery and access to specialist consultations, diagnostic tests to confirm cancer diagnosis, Pharmacy and non Pharmacy chemotherapy drugs and other support benefits. If you are diagnosed with cancer, having more choice and control over your treatment plan can make your journey to recovery much easier.