Lack of Insurance Compounds Chronic Conditions Burden

For an individual not covered by a company or group insurance policy, private health insurance can often seem like a massive, unbearable and expensive hurdle to overcome.
The choices are numerous and confusing, and taking out a policy for yourself or your family can appear costly.

If you have a chronic medical condition, an additional stumbling block can be encountered, as your premiums may become even higher or you may face lengthy periods of no coverage for a pre-existing condition. As a result, people with chronic conditions often face the burden of high insurance premiums and having to also pay for treatments and medicines related to their long-term problems.

A chronic condition is usually defined by insurers as an illness or disease from which a person is unlikely to recover, or for which there is currently no cure. Examples of chronic illnesses include arthritis, asthma, cancer, cardiovascular disease, cholesterol problems, chronic obstructive pulmonary disease, depression, diabetes, high blood pressure, multiple sclerosis, and osteoporosis.

Continue Reading Lack of Insurance Compounds Chronic Conditions Burden
Learn more about Personal Health Insurance

Lack of Insurance Compounds Chronic Conditions Burden

For an individual not covered by a company or group insurance policy, private health insurance can often seem like a massive, unbearable and expensive hurdle to overcome.
The choices are numerous and confusing, and taking out a policy for yourself or your family can appear costly. If you have a chronic medical condition, an additional stumbling block can be encountered, as your premiums may become even higher or you may face lengthy periods of no coverage for a pre-existing condition.

As a result, people with chronic conditions often face the burden of high insurance premiums and having to also pay for treatments and medicines related to their long-term problems.

A chronic condition is usually defined by insurers as an illness or disease from which a person is unlikely to recover, or for which there is currently no cure. Examples of chronic illnesses include arthritis, asthma, cancer, cardiovascular disease, cholesterol problems, chronic obstructive pulmonary disease, depression, diabetes, high blood pressure, multiple sclerosis, and osteoporosis.

Continue Reading Lack of Insurance Compounds Chronic Conditions Burden

Learn more about Personal Health Insurance

Family Planning: Don't Forget Maternity Insurance!

When you start thinking of the excitement of adding a new addition to your family, don't forget to update your private health insurance policy. Otherwise you could get caught with significant pregnancy related medical expenses.
Most personal medical insurance policies will allow the addition of maternity coverage for an additional annual premium. Some, like the Pallas GlobalHealth plan from GlobalHealth Asia automatically includes maternity coverage for prenatal, delivery, and postnatal expenses, as well as any complications arising from pregnancy, birth defects and congenital conditions at birth.

Having personal health insurance coverage that includes maternity benefits can be a great financial relief when that new bundle of joy enters your life. After all, medical expenses for pregnancy and delivery typically run into the thousands of dollars, and this can easily double if there are complications, when a cesarean delivery is required, or in instances of premature births.

Continue reading Family Planning: Don't Forget Maternity Insurance!