What is Health Insurance?

Health insurance is a type of insurance coverage that typically pays for medical, surgical, prescription drug, and sometimes dental expenses incurred by the insured. It can reimburse the insured for expenses incurred from illness or injury, or pay the care provider directly.

What Does Health Insurance Cover?

Health insurance typically covers:

• Preventive Care: Includes services like vaccinations, screenings, and check-ups that help prevent illnesses.
• Hospitalization: Covers the cost of treatment when you're admitted to a hospital, including surgeries and overnight stays.
• Outpatient Care: Covers medical treatments that don't require a hospital stay, such as doctor's visits and lab tests.
• Prescription Drugs: Helps pay for medications prescribed by your doctor.
• Mental Health Services: Includes coverage for counseling, therapy, and psychiatric services.
• Maternity and Newborn Care: Covers prenatal, delivery, and postnatal care for both mother and baby.

Is Health Insurance Beneficial to You?

Health insurance is essential for managing the high costs of healthcare. Here are some benefits:

Financial Protection

Health insurance helps cover the costs of medical care, reducing out-of-pocket expenses for treatments, medications, and hospital stays.

Access to Quality Care

Having health insurance gives you access to a network of healthcare providers, ensuring you receive quality medical care when needed.

Preventive Services

Health insurance plans often cover preventive services, helping you stay healthy and detect illnesses early when they are easier to treat.

Peace of Mind

Knowing you have coverage in case of illness or injury provides peace of mind, allowing you to focus on recovery without worrying about financial strain.