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Understanding Of Health Insurance And Health Insurance History


Ababinews - By definition, citing Investopedia (2019), health insurance is a type of insurance coverage that pays for medical, surgical, or related health care costs as stated in the insurance policy. Insurance companies that issue health insurance policies can reimburse the insured for expenses incurred due to illness or injury, or pay for medical expenses directly.

Health Insurance In USA

Companies usually provide insurance packages for their employees as a form of protection guarantee. Premium payments vary, some are paid by the company, some are deducted from the employer but are often also deducted from the employee's salary. The cost of health insurance premiums is deductible to the payer, and benefits received are tax free.

Health insurance definition

In particular, the definition of health insurance is a type of insurance product that covers the health or care costs of insurance participants if they fall ill or have an accident. In health insurance, there are two types of treatment offered by insurance companies, namely in-patient treatment and out-patient treatment.

Some insurances also cover costs for room accommodation, ICU accommodation, doctor consultations, specialist doctor consultations, surgery, outpatient care, home care, ambulance services, dialysis, and others. Some insurers also provide cost facilitation for critical illnesses.

Why do we need health insurance?

You may think that the insurance premiums are too expensive. You may think you will never use it. However, not to say "no", you must have insurance. Would you believe if someone mentions that one of the things that can make people worse off and even go into bankruptcy is when they have to drain their savings or assets for medical expenses? The fact is so.

The guarantee or protection benefit that you get is greater than the premium you pay in the event of a risk. As stated above, one of the reasons for the need to have health insurance is the high cost of treatment. Right now you are in good shape, but no one can predict what will happen to you in the next few years. With increasingly diverse health threats, having guaranteed protection is one way to ease the burden when that risk occurs. At least, you do not burden the family to think about the cost of treatment and care if you are sick.

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