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B Kamran Insurance


Health Insurance

Despite the paramount importance of health, it is perplexing how frequently individuals overlook the significance of prioritizing their well-being and fail to recognize the need for timely acquisition of Health Coverage.
An abrupt decline in health can result in a significant loss of income if you are unable to work due to illness or injury, while simultaneously leading to exorbitant medical expenses. Health Insurance plays a pivotal role in mitigating these costs, offering financial protection and enabling access to preventive measures such as regular check-ups and immunizations. Embracing these preventative measures supported by your coverage not only promotes a healthier lifestyle but also potentially extends your lifespan.
Like other Insurance Types, Health Insurance offers various options and levels of coverage. Ideally, having your employer cover all or a portion of the monthly premiums would be advantageous. However, if you are self-employed, unemployed, or ineligible for job-related benefits, you may need to independently explore coverage options. While acquiring independent coverage may involve costs, the expenses incurred are significantly lower compared to the potential financial burden of medical care expenses in case of a health-related need.
Typically, the higher the out-of-pocket payment a patient makes at the time of receiving medical services, the lower the monthly premiums become. This option may be most suitable for individuals who are in good health and maintain a stable, moderate income. However, for those with a fixed or limited income, or who experience chronic health conditions, this approach can impose a heavier burden as they will have to personally cover co-pays or deductibles for each medical visit.

To Be Insured Or Not To Be Insured?

The importance of having Health Insurance should not be dismissed or underestimated. Your entire savings that you’ve worked for all your life can easily be wiped out with just one major medical event. With medical costs on the rise, even the most routine of surgeries can end up costing you tens-of-thousands of dollars, while more sophisticated procedures can run into the hundreds-of-thousands of dollars. Health Insurance can safeguard you and your family from financial ruin by helping pay overwhelming medical bills.
Before selecting a health program, do your research to figure out what is best for you and your family. Just because you and your loved ones are enjoying good health now, you never can tell when something will go wrong. And when it does, you want to be covered. Nothing beats the feeling of knowing that you’ll be protected when an emergency situation does strike.