What is a Health Insurance?

“What is health insurance?”, some may ask. A health insurance is a contract an individual makes with an insurer or insurance company. The contract is made for the insurer to pay for the individual’s healthcare costs, in exchange for a premium. To be more detailed, individuals have health insurances that can pay for their medical, surgical, drug prescriptions and occasionally dental expenses. Typically for a working adult, health insurance is provided to the employee and a certain amount of the payment for the monthly or annual fees are deducted from the employee’s paycheck. There are times that the health insurance provided by the employer may not cover all of the medical expenses of an individual. Therefore, it is important to buy comprehensive medical plan for young adults Malaysia as soon as possible. To some individuals, thay may consider an insurance to be a burden. However, in reality it is something that everyone needs as it will help in ensuring that the individual will be financially supported, in any case of an emergency

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Reasons to Why You Need to Get a Health Insurance Plan

  1. To Withstand Lifestyle Diseases

Lifestyle diseases are on the rise, especially among people under the age of 45. Prevalent illnesses like diabetes, obesity, respiratory problems, heart disease, which used to be developed by individuals in  their older days are now being more detected in individuals in their younger generations. The main things that lead to these diseases include a sedentary lifestyle, stress, pollution, unhealthy eating habits, gadget addiction and undisciplined lives. That is why individuals have been trying to follow and practise better lifestyles that include balanced diets and adequate diet. However, this may not be enough to stop the possibilities of these illnesses in the younger generation. So, the health insurance will help in covering medical costs such as medical check ups that can help to detect these illnesses early on with the help of different tests. It will help individuals to not be too worried about their medical financial expenses . 

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  1. To deal with the medical inflation

As medical technology improves and diseases increase, the cost for treatment rises as well. Therefore, it is crucial to understand that medical expenses are not limited to only hospitals. The costs for doctor’s consultation, diagnosis tests, ambulance charges, operation theatre costs, medicines, room rent, and many others, will continue to increase. All of the costs would result in creating a high strain on individual’s finances,  especially for people who have just enough to get by on a daily basis. If individuals pay for an affordable health insurance premium each year, they will be able to beat the burden of medical inflation while opting for quality treatment, without worrying about how much it will cost them. For more information, click here

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