Imagine this: you’re the backbone of your family, but a sudden illness lands you in the hospital for a month. The bills pile up, your family back home has nothing to eat and you have no medical insurance. This scenario is a grim reality for many Kenyans. With 1 in 4 Kenyans having medical coverage in 2022, 6 out of 10 are forced to drain their savings or sink into debt to get well (from:https://shorturl.at/wYjdZ). Is there a way to escape this cycle?
Health insurance coverage helps alleviate the financial burden that illness can cause. In Kenya, available insurance covers are NHIF (public insurance coverage) and private coverage from insurance companies which can be available through ABC Insurance Brokers. ABC Insurance Brokers also offers Hospicash, a tailored benefit to support breadwinners in case of an admission.
Health insurance is your financial shield against high medical costs, and unlocks the door to quality healthcare, ensuring you receive the best possible treatment. Finally, many plans cover preventive services like health checks, vaccinations, social support and screenings beyond emergencies.
What considerations should you have when choosing health insurance?
1. Needs: Do you have a pre-existing condition? Look for a plan that offers extra support, like check-ups or access to support groups, along with essentials like hospitalisation, outpatient care, and maternity benefits.
2. Cost vs Coverage: While affordability matters, compare premiums for Insurance Premium Financing Options, upfront costs (the amount you pay before insurance kicks in), and co-payments (your share of covered services).
3. Network: Just like needing the right shoes for different terrains, check the insurer’s network of hospitals and providers to ensure convenient care near you.
Health insurance coverage is crucial, but economic realities can make building an emergency fund or taking medical coverage tough. Fortunately, ABC Insurance Brokers offers extra support with Hospicash health coverage, as explained by Nancy Oromo from ABC Insurance Brokers. Hospicash is an innovative cover that provides income replacement for hospital admissions (except for chronic and elective procedures), offering daily cash payments for up to 30 days. With a range of premium options, you can find the perfect balance between affordability and financial peace of mind when hospitalised. For more information on how Hospicash can benefit you, call 072200476 or 0734200476 today.
Remember, being informed about your health insurance coverage options is key to making the right choice for your future. Stay healthy, stay insured!