Understanding the importance of health insurance
One of the primary needs of any human being is access to medical care. Unfortunately there are few places in the world where this can be accessed freely. For most people medical care must be paid for. Unfortunately hospitals and other health providers have made it such that paying for this care without health insurance (i.e. Private Krankenversicherung) can be very expensive. In fact, in some cases the cost can be more than double than what people with health insurance pay. It is very important to have health insurance cover for several reasons.
The insurance companies that offer this cover are very influential. They represent many people and are therefore better able to negotiate for lower medical costs for their clients what a person would not ordinarily be able to afford fully out of pocket due to lower income levels is able to still enjoy under a health insurance plan that takes care of the bulk of the negotiated prices.
Many hospitals will not proceed with treatment of an injured person further than is absolutely necessary if they do not have insurance cover. This can have long term consequences on recovery as many emergency situations call for more than just the treatment you get in the emergency room. Medications, therapy and other aftercare costs can be considerably reduced with health insurance. This will improve chances of a faster and full recovery.
When you are a child, you need all kinds of checkups to ensure you are growing well. From immunizations to dental checkups, the cost of all these visits to the doctor and the treatments prescribed may be too costly for many parents to ensure. This is more so when they have several children to cater to. Ensuring your child is in good health not only ensures they can enjoy a better childhood, but also prevents the development of other more serious conditions later in life.
Pregnancies can be rife with all sorts of complications. Even where the gestation and delivery is problem free, it can still cost thousands of dollars to undertake this journey. This is an expense many parents find prohibitive even with several months warning of the impending arrival. Health insurance tends to be higher for women because of this issue, but this cost is still lower than having to pay for the full amount out of pocket.
Remaining insured causes a big problem in terms of affordability of medical care. Beyond just medical consultations with a doctor, there are also costs to be paid for scans, medication and therapy that may be needed. All these services will vary depending on what particular condition is being treated. You can never accurately tell if or when you will be sick and with what illness. Even conditions that are considered hereditary can still spring up in a new lineage thanks to the different lifestyles we are leading now. Because you cannot predict the future, other than knowing that you will likely need medical care at some point, you should plan ahead so that you do not have to suffer financially for receiving it.