2. Introduction :-
Health insurance is insurance against the risk of
incurring medical expenses among individuals. By
estimating the overall risk of health care and health
system expenses, among a targeted group, an insurer
can develop a routine finance structure, such as a
monthly premium or payroll tax, to ensure that money
is available to pay for the health care benefits specified
in the insurance agreement.
3. Purpose :-
The purpose of health insurance is to help people
cover their health care costs. Health care costs
include doctor visits, hospital stays, surgery,
procedures, tests, home care, and other
treatments and services.
4. What’s covered in the Health
Insurance
These essential health benefits include at least the
following items and services:
Outpatient care—the kind you get without being
admitted to a hospital
Trips to the emergency room
Treatment in the hospital for inpatient care
5. Care before and after your baby is born
Mental health and substance use disorder services:
This includes behavioural health treatment,
counselling, and psychotherapy
Services and devices to help you recover if you are
injured, or have a disability or chronic condition. This
includes physical and occupational therapy, speech-
language pathology, psychiatric rehabilitation, and
more.
Your prescription drugs
6. Your lab tests
Preventive services including counselling,
screenings, and vaccines to keep you healthy and
care for managing a chronic disease.
Paediatric services: This includes dental care
and vision care for kids
7. One of the best things about scoring permanent
employment is reaping the prized benefits that come
along with it health insurance being chief among these
perks. And in a time of economic uncertainty, health
coverage becomes ever more crucial. As work and family
life absorb the bulk of an employee's attention and
finances, having medical costs defrayed by a generous
benefit package can be both a comfort and an asset.
8. Find Your Best Health Insurance
The most important thing to do before taking steps to find health
insurance is to take into account your personal needs. Past
accidents or injuries may play a part in what kind of plan you get.
Your risk of injury on the job can also be a major factor into your
choice of benefits. Your family’s needs, should you have one, will
also be an important consideration for your health insurance.
