Healthcare or medical emergencies are part of life. Sometimes you may get diagnosed with illnesses that you find difficult to treat, as the treatment cost might be hefty or difficult to afford. In that case, you must opt for health insurance. As the saying goes, “A stitch in time saves nine”. So, getting all your medical expenses covered in time will save you from losing your savings and will ensure financial stability. Health insurance plans are customizable; your advisor will first assess all your requirements as well as your lifestyle and age-related factors, and a plan will be devised that will cover your major expenses. Let us have a look at what aspects a health insurance policy covers:
Whenever there is an emergency, the reflex action of any sane human being would be to call an ambulance that has paramedics and professional staff to take the patient to the hospital. Then come the hospitalization, lab tests, and consultation fees. Once the problem is diagnosed and the treatment for the disorder is decided, medication and therapy costs come into play. So, your health insurance policy would cover all the costs for you, starting from transportation to the medicines and drugs that you buy to treat the disease. The diseases or disorders include the common conditions that could be an accident, a heart attack, or another illness that may occur suddenly without any prior symptoms; they also include some chronic illnesses such as liver failure or renal diseases and cancer that require extensive yet expensive treatment. Most of the time, the disease conditions are caused by poor lifestyle problems such as diabetes, hypertension, etc., which are commonly observed. In all of these cases, different plans are developed based on your health condition and the extent of the disease.
PRE- AND POST-HOSPITALIZATION COSTS:
Not only that, the pre- and post-hospitalization costs are also covered. There is a specific time frame within which the coverage is provided, which might range from 1 to 2 months. Before hospitalization, the treatment and consultation charges that occurred before and then the procedures that are completed while being hospitalized, which may include surgery or special therapy, are all covered. After that comes the post-hospitalization stage, which can also be called the recovery phase, as during recovery the patient is supposed to have multiple follow-ups, many lab tests are conducted regularly, and drugs might also be changed depending on the patient’s condition, so all these additional costs are covered so that you do not have to feel the burden of such hefty billings on your shoulders while already being ill.
Health insurance is not limited to a single individual; although individual plans are offered, you can also make sure your loved ones, including your family members, stay healthy with the help of many flexible policies. With a professional health insurance advisor, you can keep all your savings safe for a better future for your kids. Finances can become a headache if they are not managed well. You can avoid such situations by adapting to certain strategies that help you have financial security and stability; health insurance is one of those strategies.
WHAT TO LOOK FOR WHILE SELECTING YOUR HEALTH INSURANCE AGENT:
Above all, the utmost professionalism of any health insurance advisor is crucial. This means your agent should have all the important skills that include good communication, problem-solving, attention to detail, and overall effective customer care. With the Dortch group, you will deal with professionals who are trained and certified in their respective fields and know exactly what you want. They tailor all the policies according to your demands and provide you with plans and policies that help safeguard all types of interests, ranging from financial stability to making sure you live a healthy and happy life.
HEALTH INSURANCE IS NOT LIMITED TO HOSPITALS AND PHARMACEUTICAL DOSAGE FORMS:
Keeping in mind that many people worldwide do not feel safe using allopathic medicines and fear the side effects that may occur after the administration of natural and organic remedies or drugs, health insurance also covers the expenses of alternative therapies. The alternative therapies include homeopathy, acupuncture, reflexology, Ayurveda, Unani medicine, etc. All these therapies can be used to improve your health, and the costs will be covered. So, no matter what school of thought you belong to and whatever your choices are in terms of your health, you just need to look for a suitable health insurance advisor who can cater to your needs and understand your demands without questioning your choices.
If we speak about professionalism, Regina Dorch, who is the health insurance advisor at Dortch Group, not only understands your demands as the company representative but also guides you in light of her extensive experience that led her to work in this sector. Being fluent in multiple languages is a plus. So, this Private Health Insurance firm will be your partner in health.