Health
insurance covers up the medical expenses that we might incur if we are sick or
we have met with an accident. Generally, health insurance is provided to those
people whose age is between 5 to 80 years. In rare cases, health insurance is
granted to children who are under five years only when the parent's health
Insurance is done.
Health insurance has two categories of
policies:
1) Personal health insurance:
The
policies that are purchased by an individual for his loved ones are known as
personal health insurance. These insurance policies are available in different variations, covering different needs and
requirements. Usually, the monetary factors and the coverage each policy offers
vary in these cases. One may choose a particular policy that suits his/her
needs the best.
2) Group health insurance policies:
These
group health insurance policies are those that are provided by an organization
to its employees. These policies usually offer a certain amount of money for
health emergencies for their employees and in some cases— for the employees’
family members as well.
The health insurance can be claimed in two
methods:
1) Cashless:
The
insurance companies have a wider chain of hospitals where the policyholders
have their medical treatment free. This indicates that the insurance holder can
go to the hospital. The insurance holder must give their insurance card to get
free medical treatment where the company later verifies the policy.
2) Reimbursement:
If
you are admitted to a hospital that is not present in the insurance company's
list of hospitals— the insurance holder must make all payments by his own and
then claim for reimbursement from the insurance company that he is a policyholder
of.
Importance of having health insurance:
1) Doctor’s Visits:
When
we have health insurance, the doctor charges you less. It is covered in the
policy. Under the policy, the costs of the visit are not expensive as compared
to when we do not have insurance. All the other medical costs like X-ray, blood
test are also reduced due to the policy.
2) Hospitalization:
The
insurance holder enjoys benefits in this case. The insurance holder pays lesser
to the hospital as compared to
non-insurance holder. The policyholders make only 80 or 90% of the payment.
3) Prescription Drugs:
The
price of drugs is very expensive. When there are no generics, prices are even
higher. The insurance holders pay a minimal amount as it is covered under the
policy. They do not pay the entire amount of the medication.
4) Preventive Care:
When
you have health insurance, you can avail this benefit. They take the utmost
care of the patient. This includes other medications and tests as well. The
insurance company ensures that they provide the best treatment so that in the
future they may not face any further expenses or have to deal with bad reviews.
Health
Insurance is important so that you do not incur extra medical expenses. If you
are planning to make your health insurance, you may search for health
insurance in Kenya on the
internet for more information.
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