Medical insurance is something none of us can afford not to have. In the event of an unexpected injury or illness the medical cost for health care can be devastating. If you do not have medical insurance then there is a good chance you will not be able to afford proper medical care.

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When you first decide to obtain medical insurance coverage you may be asked to have a medical exam first. The reasons for this vary from insurance company to insurance company. The medical exam is used to determine your current health status. Depending on how your health is rated this can determine the cost of your medical insurance. If you are in perfect health and do not participate in anything deemed dangerous by the insurance company you will receive the best rates possible. There are many things the insurance company may frown on such as smoking, drinking, or even participating in extreme sports. Your occupation can also place you in a higher risk category and raise your medical insurance cost.

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Any US citizen residing outside US would need an international medical insurance policy. An international health insurance policy is by far the most comprehensive policy as compared to any standard travel insurance policy, and also has equal number of benefits to any private health insurance policy. No private insurance policy would cover you outside US. This happens because such domestic insurance companies do not have networks out of US. Also, it is quite a tough task to predict the medical expenditures outside US, and hence makes it difficult for the companies to assess the monthly or yearly premiums from there. Furthermore, the claims made from outside the US may not be feasible to these domestic companies. Another reason is that an individual living outside US may not be eligible for the health insurance in that particular country. There are many countries that allow health insurance plans only to their own citizens or permanent residents of that country.

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Unfortunately many people begin to think about medical insurance only long after the horse has bolted the stables. Looking after yourself is an obligation that we all carry, and when the question arises” Who should consider medical insurance?” the answer should be, all of us, and well before it is too late.

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It is possible to become confused as to the meaning of medical insurance. There might even be a few people out there that sincerely believe that medical insurance is there to prevent you from becoming ill. If only it was that simple! Medical insurance is there to protect people who become ill and need to receive treatment, offset some of the financial burdens of being unable to work as well as many other factors.

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Anyone who will tell you that they do not need medical insurance is living under an illusion. Holding current and full medical insurance can almost be an obligation, not only to you but to your loved ones.

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Private health insurance in South Africa has risen between 12% and 15% annually over the past 7 years according to the website of the country’s largest healthcare insurer, Discovery Life. Despite this, the escalating cost of good medical care coupled with the unacceptable conditions of many of the public hospitals has made the purchase of private healthcare in South Africa a necessity.

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