123ArticleOnline Logo
Welcome to 123ArticleOnline.com!
ALL >> Insurance >> View Article

5 Myths About Health Insurance Busted

Profile Picture
By Author: Sanjay
Total Articles: 17
Comment this article
Facebook ShareTwitter ShareGoogle+ ShareTwitter Share

As lifestyle problems or diseases are becoming common in all age groups and medical costs are rising at an increasing rate, the importance of health insurance is growing. Whether you decide to buy health insurance online or from an agent’s office, there are lots of opinions that you may come across.
Many people or close acquaintances will have advices based on the myths since it is a matter of financial investment for you. But, you have to understand which one is a true fact and which one is a myth. Here, in this article, we have helped you a bit. We presented here some of the myths that are widely spread about health insurance and why you should debunk them.
5 Popular Myths about Health Insurance and Why You Shouldn’t Believe Them
Myth 1: If someone is young, health insurance is a waste of money
This is the most popular opinion young people have when it comes to buying health insurance. They say “I am young and quite healthy and so why do I need insurance? If I don’t get sick, the money would be fully wasted.”
In contrary to this illogical opinion, health experts have said that age is ...
... not at all relevant to good health. Today’s lifestyle patterns, food habits, and stress levels have made even very young people prone to different diseases. In fact, getting an insurance plan at an early age is a wise decision because premiums will be low.
Myth 2: Buying insurance online is not at all secure
Well, many will suggest not buying an insurance plan online through the websites of the companies. It can be unsafe and make your financial credentials exposed to privacy risks.
However, buying health insurance online is absolutely safe in this era of digitalization. The companies allow the purchase of insurance plans through secure payment gateways and are also obliged to provide true information regarding the plans.

Myth 3: A plan purchased just before surgery will cover the costs
This is quite a popular myth about health insurance. Many believe that they don’t need it until a medical emergency like surgery arises. If they can buy it before the surgery, their costs will be covered.

This is totally wrong and every type of health insurance has a certain waiting period. Any claims for surgery and even pre-existing health conditions can be made only after that period.

Myth 4: One will be eligible for claiming only after going through 24 hours of hospitalization
This myth is completely busted by almost all insurance companies. Hospitalization is no more a mandatory requirement for anyone to claim insurance.
All the day-care costs for dialysis, chemotherapy, eye surgery, etc. will be covered by insurance.

Myth 5: Total cost of the treatment can be reimbursed
Most insurance plans provide reimbursement of a specific percentage of the treatment costs. There are caps for the treatment expenses such as room charges, depending on the total sum you have insured. Therefore, the excess over the costs has to be borne by the insurance holder.

Planning to buy health insurance online? Well, you have made the right decision and there shouldn’t be any second thoughts about it. A health insurance plan, in this world of uncertainties where medical crises like Covid can shake everyone’s life, is a must-have. So, just forget about these myths and focus on the facts.

More About the Author

Sandy is a health practitioner and adviser at supplement making firm, Niwali, famous for producing highly effective dietary food and supplements. You can buy their popular weight loss supplement made with Raiz de tejocote on Amazon to lose weight in a natural process.

Total Views: 36Word Count: 548See All articles From Author

Add Comment

Insurance Articles

1. Best Ways To Protect Your Music Studio In New York
Author: micheljordan4

2. Commercial Insurance Can Protect You From A Loss Of Your Commercial Property
Author: Jannie Morman

3. How To Protect Your Woodwinds Instrument In Religious Organizations?
Author: victor12johnson

4. Why Is Financial Protection Crucial For Your Clarinet?
Author: josephwhite176

5. Why Is Gibson Les Paul Insurance Crucial For Your Stringed Instrument?
Author: micheljordan4

6. What Does Music Insurance Company Protect?
Author: victor12johnson

7. How To Find The Right Insurance Company For Your Oboe?
Author: josephwhite176

8. How Are Music Equipment Covered By Insurance?
Author: micheljordan4

9. Top 10 Travel Tips For Piccolo Players
Author: josephwhite176

10. How To Choose Right Insurance For Your Piano? Get The Facts
Author: victor12johnson

11. Why Does Your Orchestra Need Equipment Cover?
Author: micheljordan4

12. Important Information You Get To Know About Specialized Bassoon Insurance
Author: josephwhite176

13. How To Get Musical Instrument Appraisal?
Author: victor12johnson

14. Last Chance To Claim Ertc Funds For Free | See If You Qualify
Author: Hamid Hossin

15. Why Does Your Stringed Instrument Need Adequate Coverage? Facts Of Clarion Insurance
Author: micheljordan4

Login To Account
Login Email:
Password:
Forgot Password?
New User?
Sign Up Newsletter
Email Address: