The Importance of Health Insurance In A Family

First of all let’s establish what are the family’s basic needs: shelter, food and clothing. But what we fail to include is a good health insurance. Taking care of our health is probably the last thing in our mind and adding another payable to our increasing expenses with a growing kid is probably one of the reasons why we are discouraged to apply for a health insurance. Getting a health insurance is usually expensive but lucky for us, hubby’s company provided an affordable option for us to have a decent insurance. But what about the others who doesn’t have that kind of benefits in their company?

health insuranceThere are public hospitals that are open to those who cannot afford to pay for their healthcare but are they getting the proper treatment? Usually, public hospitals do not have enough funds and they can only provide for a limited number of people, and some patients would have no choice but to move to another hospital (most probably private hospitals) because the public hospital do not have the capacity to accommodate them.

With a private health insurance, you don’t have to worry about that. They will provide you with a list of accredited hospitals and clinics that are near your area and you won’t have to worry about hospital bills should an unfortunate incident happen and you’ll be needing hospitalization. It definitely gave us a peace of mind especially in times of crisis.

With a healthcare like this, it’s not only limited to emergency cases, getting dental care and consultation fees from a general practitioner and specialists are also covered, not to mention diagnostic tests and other hospital fees. The latter two is usually the most expensive.

Is it worth it to pay for a health insurance? Definitely. It might be expensive at first but there are affordable options out there for your family. Keep in mind that paying for it monthly is way better than paying for a huge hospital bill.

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23 Responses to The Importance of Health Insurance In A Family

  1. Pinay Mama says:

    I wish to have insurance for my family but since I do not earn regularly and it’s not that big, I have to set aside getting insurances.

  2. Insurance is a big thing here in the US, we have a family plan and that save us from big expenses when emergency arises.

  3. Hyanne says:

    Health insurance is really expensive but like you have said there are different type of insurance that everyone could afford. The good thing about being insured is less worry when unfortunate event happens.

  4. Marms says:

    It’s very important. I can say that I am very happy about our insurance plan right now. We have an ideal coverage where we only pay a very little portion.

  5. I’m glad that we have a family healthy insurance courtesy of my husband’s office. It’s really helpful when we need to have laboratory works done and even for hospitalization and medical check-ups.

  6. Tasha says:

    I agree everyone needs health insurance. My husband had a heart attack at the age of 39. It was a total complete shock! I almost lost him. His job didnt offer health insurance and we was stuck with a HUGE HUGE bill. Now he with another company and I make sure he has health insurance. Cause you never know what will happen!

    • Gene says:

      That’s a very young age to have a heart attack, scary! I hope he’s okay now and good for you that he left that old company. Health insurance is really important and companies should provide that to their employees.

  7. Gven-Rose says:

    I realize the importance of health insurance when my nanay and nephew were admitted to the hospital, I need to pay all their bills and medicine..Good thing they have philhealth it help helps lessen the bills…

  8. Bless says:

    Health insurance is really important and I wish everyone can avail of it. The rising cost of health expenses is really killing most people’s pockets and without insurance makes it more very expensive.

  9. dorry lyn says:

    insurance for the family is a good investment esp that we don’t know what will happen to us.. but i think this is only for those with extra and regular income

  10. Rossel says:

    I agree that taking care of our health must be included in the family’s basic needs. Health insurance gives the family not just the medical attention they need but most importantly…the peace of mind.

  11. Dhemz says:

    health insurance is really important…glad hubby’s company offered such a good insurance benefits.

  12. In this age and time, having appropriate health insurance is a must.

  13. peachkins says:

    I want to purchase insurance for my family but I’m still saving for it.

  14. Arlene says:

    Because of the health benefits working in ad Adventist institution, I don’t worry much on health insurance. But that benefit don’t cover the whole family so at times I still wish I could purchase a health insurance.

  15. Nancy says:

    Unlike in the US, seems like getting insurance policies here in our country is not everyone’s priority. Although it can be a life saver, not everyone just have the means to secure their family with one.

    • Gene says:

      I agree. That’s why the government should improve the Philhealth benefits. It’s really not enough to help those who are in need. Not only that but they should provide more public hospitals, especially in the rural areas.

  16. aeirin says:

    Investing in insurance means investing in your quality of life. Having insurance can pay for preventive treatments to treating illnesses. Though, mejo mahal nga lang

  17. Chie says:

    I am thankful to my mother for keeping us insured. At first, i didn’t really like the idea but when it was explained to me clearly and after thinking about it, getting a life insurance or a family insurance isn’t about asking for bad things to happen, instead, it is to insure everyone in the family to be well-treated when bad things happen like accidents or serious illness. So Yes, insurance is worth the pay.

  18. For us it definitely is worth having healthy insurance because in times of emergencies, you have something that will help you with the expenses. There are companies though that charges huge fees and do cover like a huge percentage of your expenses, but there are also companies that are a bit of the lower fees and doesn’t cover much of your expenses. You just got to find the right company for you though to be able to avail health insurance. It can be expensive, but you’ll be glad to have it.

  19. peachkins says:

    hopping again from SAWN….

  20. Mauie says:

    A health insurance is imperative especially for a diabetic like me. Thankfully, the husband’s employer has got all of us covered.

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