Extreme Weather brings on the Unwanted Sniffles
The second half of the previous post was postponed due to an unexpected bout of sneezes and coughs, brought on by the extreme weather. With temperatures reaching up to 40 degrees yesterday, it can’t be good for the immune system. I say buckle up for the unpredictable weather to come as it will definitely have an affect our health and our daily activities.
This brings us to the next topic, the benefits of health insurance and why it’s worth thinking about (especially when you feel sick as a dog)
Let’s begin with the basics, when considering private health insurance, you automatically think of three types: Hospital, Ambulance and Extras.
Hospital Coverage may include accommodation, theatre fees, intensive care, drugs, dressings, and other consumables, pharmaceuticals and medical services.
Ambulance Coverage may include transport costs (road, air or sea) and any paramedic treatment.
Extras may include cost for dental, physiotherapy, occupational therapy, speech therapy and acupuncture.
Although distinct, these types often overlap. You’ll find that most health insurers offer combined policies that cover health services across the board. The key is to find the combination that works for you; alternatively you may wish to be more selective in your approach, purchasing extras only. It really depends on your lifestyle, who you want to cover (singles, couples, family etc), your age, and other variables…
With more details soon to come (i.e. scenarios that might be relevant to you), the purpose of this post is to simply highlight the fact that purchasing health insurance is a way of ensuring peace of mind. Even if you live a healthy lifestyle, have no history of serious illness or have no family to worry about, health insurance is a security that is necessary in this day and age. In most instances, basic coverage will provide you with the following benefits:
- Choice of doctor
- Choice of hospital
- Control over waiting times, when and where you’ll be treated
- Helps with cost of services not provided by Medicare
Now that you’ve got the basics of health insurance, we'll follow up with more tips, scenarios and facts to help you along the way. Happy Hunting.