4 Reasons You Should Have Health Insurance in a Pandemic

 

 Healthy is expensive, but pain costs a lot more. Imagine the cost of treatment in the hospital always goes up every year, about 10-15%.

Especially during a pandemic. The Covid-19 virus can attack anyone, indiscriminately. So, do not think you will not get this disease by applying health protocols or because of a young age.

Health Insurance

No one knows for sure. Maybe now you are healthy, it could be tomorrow or the day after tomorrow has been positive Covid. Get an umbrella ready before it rains, the saying goes.

This means preparing health insurance before there is a risk of getting sick or contracting corona. Protection protection that certainly benefits Covid-19 disease.

Here are the reasons for the importance of having health insurance in pandemic times:

4 Reasons You Should Have Health Insurance in a Pandemic 

1. Minimize money losses

Actually, the threat of illness in the pandemic period is not just pegged to Covid-19. But also other severe diseases, such as stroke, heart, cancer, diabetes, kidney failure, and so on.

This disease requires a huge medical cost. Starting from tens of millions, up to billions of rupiah. If you do not have health insurance, your wealth or valuable assets will be gone to finance it.

But by holding health insurance, it can reduce the financial burden that you have to bear. It can even be financed by all insurance companies.

That way, your savings, emergency funds, or other possessions remain safe. You are also free from potential debt because there is insurance that covers it.

2. Protection for all family members

Health insurance can be a proof of your love for your family. Not only yourself is protected, but also the whole family. Starting from spouses, children, parents, in-laws.

No one can guarantee that your body is always healthy, productive, and able to make a living in the long run. Health insurance can cover medical expenses if you are seriously ill, unable to work anymore.

So it does not become the financial burden of the insured family because it is paid by the insurance company. Even if you die, there is compensation given to the heirs.

Health insurance also guarantees costs for outpatient and hospitalization, surgery, and handling unexpected accidents. Some health insurance even provides guaranteed costs for pregnancy examinations to childbirth, and immunizations in toddlers.

3. More disciplined in managing money

By having health insurance, it can be one way that you are more disciplined in managing finances. Salary each month is allocated about 10% to pay insurance premiums.

So, the money doesn't run out in vain. You set aside for protection, in addition to meeting daily needs, paying debt bills, investments and emergency funds, and kindness or charity.

4. Reduce stress

In pandemic times, everyone has the same risk of exposure to the Covid-19 virus. This even makes people anxious excessively, to experience stress.

Afraid that Covid-19, in isolation in the hospital, there are no relatives accompanying, not even the shadow of death from the virus.

If you are stressed, you can cause various diseases. Starting from sleep disorders, appetite, hypertension, and other health problems.

Stress can make the condition of the body more severe if there is a congenital disease. So, don't underestimate the stress experienced.

With health insurance at least can reduce anxiety and worry about medical costs because it is covered by insurance companies. Thus, stress can be minimized or reduced.

Choose Health Insurance that Suits Your Needs and Ability to Pay

Buying a health insurance policy you should do carefully, considering this service has various rules in its use. It is important to always understand the benefits and various things in a health insurance policy, before finally buying.

Choose the most appropriate health insurance service. Adjust to your needs and your family, as well as your financial capabilities, so that the product can provide maximum benefits. Apply while healthy.

Because if you buy health insurance when you have a severe illness or have a history of hospitalization, then the insurance company has their own policy.

Some even refused their insurance application. Based on the insurance company's policy, it could be that the disease you have suffered will not be covered.