What is health insurance and why is it important?

It is not uncommon for a person to fall severely ill all of a sudden. However, with the correct medical treatment and care, the person can recover in no time. But things are never always so simple for many people. The main problem starts when the patient is unable to pursue further treatment due to a lack of funds. Even if one arranges the cost by taking a loan or borrowing it from a relative or friend, the obligation to return the money always lingers. Now if a patient who is already suffering has to also worry about returning the debt, then it might affect his/her mental state, which can further deteriorate his/her frailing health. Such issues can be avoided easily with the required medical treatment and a comprehensive health insurance policy. So, what is health insurance? As the name suggests, a health insurance policy is one that deals with the health of a person. The importance of health insurance should not be neglected as it covers the costs for medical treatments, doctor consultations, follow-ups, surgeries, prescribed drugs, medical tests, and so on. One can even add optional benefits such as coverage for dental care, vision care, mental health services, etc. Most insurance policies also collaborate with hospitals and medical centers. You can check out such details before selecting one. So, to ensure that you won’t have to stop your or your family member’s medical treatment owing to lack of money, you must not underestimate the importance of health insurance and get a policy for yourself and your family. Understanding health insurance is important as it will save you a lot of money, and it will also save you the hassle of running from pillar to post to get the money for any treatment.

How health insurance helps?

The benefits of having health insurance are many. However, to select an ideal one, you must know that there are different ways in which insurance policies work. Some health insurance providers reimburse the entire amount which was used for the treatment, and some provide cashless treatment services. If the policy offers cashless treatment, then the patient won’t have to pay any amount to the hospital as the insurance will cover the entire cost. The type of claims can differ from hospital to hospital as well. As a result, understanding health insurance is important before finalizing one. Most organizations offer health insurance to their employees and their dependents. However, if you happen to leave the organization, you will not be able to use the policy. So, if you are planning to leave your organization to do your own business, and so on, you must get a health insurance policy for you and your family. As the importance of health insurance cannot be explained enough, it is really necessary that you have one at the right time. For example, if you opt to get one at a later stage of your life, then you might have to go through a hold-up period. During such time if any emergency occurs, then you might have to end up spending your own money. So, understanding the importance of health insurance is necessary if you want to be prepared to face any unforeseen emergency. You will have to pay a premium to buy a health insurance policy. Each year you must renew your policy by paying the premium. So, while selecting, you must go for the one that offers maximum options and comes with a reasonable premium. Once you buy one, you will be able to experience the benefits of having health insurance whenever the need arises. You can check out the health insurance plans by Cigna as it comes with several options that can highly benefit you and your dependents. Once you have a Cigna health insurance policy in your name and in your dependents’ name, you can make use of it whenever required. Cigna even provides tools and apps through which patients can easily access and check their plans and other related information. It even provides round-the-clock customer care services, so if you have any questions regarding your policy, you can contact customer care and get your issues resolved in no time. Cigna also offers specially designed health insurance for expatriates. You can check out the policy and the coverages that are included to know the benefits of having health insurance from Cigna. If you wish to put more options, you can do so too. Now, if you are an employer and you are looking out for a policy for your employees, then you can check out the plans offered by Cigna. The corporate plans are also created to offer maximum benefit to employees. Understanding health insurance policies by Cigna is easy. However, if you still have any doubt you can always contact us to get thorough assistance.

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Frequently Asked Questions

What is Covered in Health Insurance?

Cigna health insurance offers flexible plans to suit different budgets or regions. However, all the plans have common services that include in-patient treatment, day-patient treatment, and across costs of surgery, prescriptive drugs, basic maternity care, cancer care, mental health care and sometimes dental.

Examine the list of benefits carefully to ensure that you have selected a plan that is just right for you.

How To Pick The Best Health Insurance Plan?

Select the healthcare insurance plan that is right for you. This will vary depending on your age (pay for higher coverage as you get older), individual or family, living in your country of origin or as an expatriate (needing repatriation facilities and guest visitations).

Why Do I Need Health Insurance?

Health insurance is the only way to meet the high costs of modern hospitals and treatments, in the event of any injury or illness. Also, in UAE, companies must provide health insurance to employees and their family members, to be compliant.