Importance Of Health Insurance
Imagine that you are in this compromising situation, you are a parent of a sickly child. Sure, Malaysia on paper has a robust public healthcare system. But through experience, I can say that for your child to get treated, chances are he or she will have to wait in a very long lists of names. What if the illness can't wait? Then your only other choice is to go to a private medical practice, but the cost of privatized healthcare can leave most middle class family today penniless.
Believe it or not, that is the situation most Malaysians today are going through. Frankly, without proper health insurance, most of us are caught in between a rock and a hard place. Public healthcare is cheap but is a drag, while privatized healthcare can coax you back into sickness with its bloated cost. That is why it is important that Malaysians today should have themselves insured. by paying a small subscription each month, we are ensuring that we have viable options for when the bad times comes. If you're still not convinced, let us see the reasons why you should.
First, an insurance coverage provides security and safety. When we subscribe to an insurance plan, we are securing our financial potential to pay for our medical and healthcare expenses. An insurance scheme protects its subscribers from the vicious cost of today's healthcare. i'm saying this since chances are, most of us aren't obnoxiously rich. We can't come up with the money needed to cover the medical bills on the spot. Insurance covers this by preparing a pool of money that you can access when you need it most.
Next, frankly speaking, those who are not insured, often times don't get the medical attention that they deserve. What I mean is that, it is common practice for most private healthcare and some public ones too, to outright deny medical attention to those who don't have any insurance to back them up. It is shocking to hear, but in this day and age, stuff like this is just common practice. So basically, when you have insurance coverage, more healthcare practices are inclined to pay attention to your medical needs as there is a higher chance that you pay them back for your expenses.
Finally, and it might be a controversial opinion, but to put it simply,our public health care insurance policy leaves much to be desired. Sure, the government provides heavily subsidized healthcare treatment and some degree of public healthcare insurance, the fact is that is not enough. Some treatments for serious illnesses such as cancer and dengue fever are still very expensive for the common people's budget, subsidized or not. Unless the government improve their current public healthcare policy or better yet, provide free universal healthcare system, like those of Canada and what President Barrack Obama is trying to achieve in the United States through Obamacare, then we still need to rely on personal healthcare insurance just to be able to pay for our own healthcare.
And thus, we must take action and get ourselves insured. In today's world of inflating healthcare and medical costs, it is imperative to have a decent insurance coverage as it not only offers you security but also provides you with a peace of mind to lead your life without worry.
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