In society develops, there are many different types of insurance that parents need to find out before buying to fit the needs of themselves and their families. When thinking about the future, preparing for the family or for yourself, many people worry about many risks relate to health that can occur and affect future plans. Insurance is a financial product that can protect you from these risks. In addition to social insurance, life insurance and non-life insurance, health insurance is the type of insurance most people care about when they want to protect their health. But are you familiar with this type of insurance? Join us at https://ibaohiem.vn/san-pham/bao-viet-an-gia/ and scroll down and read this to learn more about health insurance as well as whether we should use health insurance or not!
What is health insurance?
Health insurance is a non-life insurance product, popularly used by many people in the present time. Usually, people often buy health insurance are parents with young children who are often sick, the elderly, and terminally ill patients. With health insurance, you will pay the recurring premium on a yearly basis. Unlike life insurance, this fee is not cumulative and invested. Each year, your premium fee will also be reassessed, if you have used a lot of benefits, your fee may increase. Because, insurance companies will assess that your immediate protection needs are high.
The premium fee you need to pay will vary from time to time
Health insurance is a type of insurance specifically for cases that the insured person suffers from an injury, accident, sickness, disease or people who insured by the insurance enterprise as agreed upon in the health insurance contract.
In today’s modern life, health insurance is considered a solid financial support when you and your family are at risk, unexpected and unforeseen accidents or unfortunate illnesses. We may or may not join in health insurance. No agency can coerce you into health insurance.
However, most product packages offered by insurance companies already have benefits. It’s hard for customers to refuse. So, depending on the needs of yourself and your family, you should choose different benefit packages.
The term of a health insurance policy is a feature that you can explore and consider
There is a feature that you need to know about health insurance. That is the term of health insurance contract. The period of health insurance contracts only lasts up to 1 year. You must pay 1 time per year to receive benefits. If customers want to continue to enjoy the benefits of the insurance package, they need to renew the insurance policy and continue paying the premium fee for the policy to take effect.
Why should we buy and use health insurance?
Health insurance is a type of useful insurance. If you are not familiar with this type of insurance, please refer to the benefits that insurance will bring to you and your family below:
- Families with children and the elderly should buy health insurance to help families save the most incurred costs.
- Health insurance can assist buyers in the care and make medical appointments without having to waiting too long.
- Customers can participate in insurance voluntarily, depending on the financial capacity as well as the needs of individuals and families.
- Choosing freely clinics, hospitals in the list of hospitals, clinics in the contract. You can choose where you trust and do not need to choose the unique medical address. This gives customers the freedom and flexibility in medical examination and treatment.
- Some premium insurance packages will have coverage beyond the territory of Vietnam. This allows clients to access foreign medical services in special or urgent cases.
- Insurance buyers do not need to have a medical examination before participating in insurance, except in cases that the insurance company requires.
- Health insurance will pay for hospitalization, medical expenses, etc. in accordance with the terms of the contract. In addition, some product packages will pay and guarantee hospitalization fees for clients who are covered by insurance companies.
- A health insurance contract can be used for the whole family. This brings convenience and flexibility for customers when participating in health insurance.
The benefits that health insurance can bring us are limitless
Besides, there are a number of health insurance products for terminal illnesses which have both benefits about finance and benefits for the insured people. However, you should note that the cost and duration of using non-life insurance is often much lower than the cost and duration of using life insurance. Therefore, the benefits of non-life insurance cannot be compared with life insurance. If you want to temporarily cover the expenses incurred, refer to health insurance – A type of non-life insurance. However, if you want to maintain stable and long-term finances for your family, consider to life insurance.
Not need too many contracts with long and confusing terms, customers only need to choose the insurance package that suits their budget and needs. The compensation speed of health insurance is relatively fast. In just about 15 business days, customers can receive compensation if the claim file is no problem.
5 reasons to buy family health insurance
Health insurance shares the financial burden for families when someone is sick. It helps you guarantee hospital fees, use domestic and international medical facilities with high limits…
There are many reasons that you should consider if you want to buy health insurance
Sharing financial burden for families when someone is sick
Industrial lifestyles, polluted air, dirty food, cigarette smoke, alcohol, obesity, stress… cause more and more illness and the population is becoming younger. While older people often face cardiovascular disease, diabetes and cancer, children are more susceptible to infectious respiratory diseases. The cost of examination and treatment is expensive, even too much for many families.
Our survey with more than 2000 patients pointed that about 30% of patients had economic difficulties when unfortunately got sick and had to be inpatient in a hospital for a long time.
In which, nearly 34% of patients could not afford to buy medicine; 24% of patients were unable to pay for hospital costs; 21% could not afford to walk around and up to 15.2% could not afford to buy food. To solve this problem, nearly 67% of patients have to borrow money, 22% have to sell assets to cover all problem… In fact, this financial burden can completely share most or all with insurance contracts. So why don’t we consider using health insurance?
Meet the need for high quality health care
If you want to experience international medical services at private hospitals, or go overseas for treatment, health insurance is the right choice. These products and services can pay at many health facilities, both public and private, domestic and international with quite high limits.
Certain health insurance will meet your needs
For example, if a pregnant woman wants to enjoy the birth-giving service at a 5-star hospital, the cost will be higher very much than the public hospital. However, you may be able to get most of this money when choosing a corresponding insurance package. Depending on your financial capacity, you can choose different insurance packages.
Save treatment time
Health insurance is applied in many different health facilities, not only in Vietnam but also in developed countries. This is the most suitable option if you want to visit and treat at senior hospitals or foreign medical facilities.
Parents with children will also avoid crowding and will save a lot of time waiting, reducing the risk of spreading dangerous diseases… when taking children to see a doctor.
High insurance benefits, reasonable fees
Health insurance packages are often varied, with a term of a year or longer, depending on each person’s requirements. The participation fee is suitable for the budget of many families. The insurance coverage is quite high with various benefits such as inpatient, outpatient, dental, maternity, organ transplant, cancer treatment… Health insurance has many different packages for you to choose and you can take advantage of many benefits when buying for the whole family.
Before you sign up for a health insurance policy, a few things to keep in mind
Note to know when buying health insurance
Before buying health insurance, you need to consider the following things to make the right decision and protect the health of the whole family in the best way.
Choose the insurance package according to your financial ability and needs
Not only support the examination and treatment cost of illness, accident, health insurance also gives your family the best medical services at home and abroad. However, each insurance package offers different benefits and corresponding costs. So, depending on the package you choose is inpatient, outpatient, dental, maternity or pediatric treatment, you will receive different benefits. In addition, insurance packages often offer two levels of coverage. It’s basic and premium. Therefore, you need to choose health insurance according to your needs and financial ability to enjoy the best benefits during the examination and treatment without being overloaded because of the annual cost.
Thorough research of insurance benefits
Before buying health insurance, you should note that insurance only compensates for your unforeseen illnesses and accidents. That is reason why insurance companies always offer a waiting time and eliminate uninsured illnesses that existed before buying insurance. For example, if you are pregnant before going to buy maternity insurance, you will not be paid for the insurance. Also, pay attention to your sickness benefits, payment rates and high-quality medical services to choose the insurance that best suits to your medical examination and treatment need.
A reputable insurance address will help you take advantage of your benefits
Choose a reputable insurance company
There are many domestic and foreign insurance companies with different insurance packages and benefit levels that suit the needs of each family. Therefore, you need to compare the criteria to choose a reputable insurance company for your family. Prestigious insurance companies need to have transparent compensation procedures.
Consider hospitals affiliated with insurance companies
If you want to use health insurance services at reputable hospitals or a certain hospital that your family always trusts, consider the list of hospitals affiliated with the insurance company that you choose to buy to enjoy the guarantee and the best care. Health insurance will help you to pay for medical expenses incurred as well as give you the opportunity to access the high quality medical services you desire.
Indeed, health insurance is extremely helpful for us and our families. If there is good financial ability, we think that health insurance is a very smart choice. You can consider our sharing above. If you have any questions, please contact us for timely answers or touch to Ibaohiem for advice!