Our health is our single most important asset in this life. Many people around the world do not have health insurance due to the high costs associated with paying weekly, monthly, or yearly premiums. People believe if you are young and healthy you don’t need health insurance and uninsured people get health care services when they really need them but tend to forget diseases and accidents do not provide schedules to attack. Although the premiums might be expensive, health insurance is important as the cooking water in your kitchen. You should always have it.
Health insurance is important for better and quality healthcare services when needed. Health insurance facilitates the receipt of timely health services and a continuing care relationship or regular source of care, which increases the likelihood of receiving appropriate and timely care. According to the United States Preventive Services Task Force, uninsured adults are less likely to receive preventive and screening services and less likely to receive healthcare services on a timely basis hence resulting in serious infection, injury, or premature death than adults of any kind of health coverage. Generally, uninsured cancer patients have poorer outcomes and are more likely to die prematurely than persons with insurance, due to delayed diagnosis.
Health insurance covers the whole or a part of the risk by providing payments of benefits as a result of sickness or injury of a person incurred as medical expenses. Health insurance protects people from the financial consequences of paying for health services out of their own pockets hence reducing the risk that pushes people into poverty because of unexpected diseases and injuries that may require them to use up their life savings, sell assets, or borrow from friends and family destroying their futures and those of their children.
Health insurance provides different medical covers such as primary prevention and screening services, Cancer care cover, Chronic disease management cover for diabetes, hypertension, end-stage renal disease, HIV disease, and mental illness, Hospital-based care cover, for example, emergency services, traumatic injury, and cardiovascular disease, mortality and general measures of health status.
Health insurance is essential for health services including the full spectrum of essential, quality health services, from health promotion to prevention, treatment, rehabilitation, and palliative care across the life course as needed without suffering financial hardship hence a better health outcome for the community.
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