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Guide to choosing your health insurance

Updated on December 26, 2016
Health insurance
Health insurance

Choosing a health insurance can be a tricky part particularly if you are buying it for the first time. There are many benefits of having a health insurance and one always needs to be secure from the heavy charges the hospitals levy on patients. I will give you my personal experience about how I went about having my own health insurance.

I was 27 years old and did not have any health insurance. I did not feel the need to having one as I was perfectly healthy and fit but life always surprises you when you least expect it. It was January 2011 when suddenly I started having pain on the right side of the stomach and soon the pain was so unbearable that I was admitted to a nearby private hospital. Ultrasound was performed and the diagnosis was a kidney stone. I had to stay in the hospital for a couple of days and was charged around 300$. Since I did not have any insurance I had to pay all the amount from my savings.

After few days again my abdomen started paining and I was admitted again, again ultrasound was done and the result: subacute appendicitis. I was asked to perform surgery in 2 days as it was not acute. So the total expenses of the surgery and my stay were around 1000$. All paid from my savings. In the hospital I came to know about health insurances and how they help reduce expenses and sometimes they pay all your charges.

I started searching online for a good health insurance and bought one. Since then I have never fallen sick but it better to be secured than sorry later I guess.

So when you are buying a health insurance always remember that there are many hidden clauses and we need to be aware of them. For example my present health insurance pays only 1.5% room boarding charges and the rest I have to pay, so I am changing my health insurance in 2012. Always buy the insurance which pays full charges including ambulance and surgery fees which include almost all diseases. There is also a pre-existing disease clause so if you are suffering from one then they will be covered after few years. It is better to check the diseases covered by the insurance policy and also the hospitals that are affiliated to the policy company. Also it is advisable to have a separate critical illness policy if the critical illnesses like cancer and organ failures are not included in the health insurance.

Always remember it is better to have a health insurance all the time so don't forget to get your family members insured too.


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