The True Value of Individual Health Insurance

​Health is wealth. However, with unchecked eating habits, increase in levels of pollution, as well as many other factors that cause a serious impact on the health of an individual, then health is often compromised. This should prompt you to get an individual health insurance policy. With the rising costs of medical check-ups, diagnoses and doctor consultations, you will definitely not regret getting a health care plan for yourself. Here is a summary of the benefits.

​Protection Against Medical Expenses
Only individual health insurance can give you coverage against medical expenses. Health insurance plans will take care of your hospitalization expenses, ambulance charges as well as your day care procedures. All these may increase in costs anytime, so you have your policy to take care of it instead of worrying about your dwindling finances to cover all of these costs.

Coverage Against Critical Illnesses
Many insurance providers offer coverage for critical illnesses. This could be a standalone plan or a rider. Thus, the individual health insurance will give you your most needed peace of mind. In case something undesirable happens to you, then it will take care of all the hospitalization expenses, depending on what is stated in the policy. This relieves your mind of the stress associated with bone marrow transplants, stroke, kidney failure or many other conditions that life would sometimes allow you to experience.

Cashless Claim Benefit
Many insurance providers settle your hospitalization expenses directly with the hospital. This gives you a cashless claim benefit. In order to avail of this, it is important that you should get admitted or diagnosed in one of the insurer’s partner hospitals or medical facility. 

Extra Protection Above Your Employee Cover
Although many companies and organizations provide their employees with a group insurance plan, that policy is not tailored to individual healthcare needs. Thus, you can end up uninsured in case you leave the company or you change jobs. This should then motivate you to get your own individual health insurance policy. 

Tax Benefits
Health care plans will always give you tax benefits. You need to ask your insurance provider about the specific tax benefits that go together with your policy. For example, if you have one senior citizen parent, then you may even claim a particular tax benefit.

Some Final Words
Always keep in mind the advantages of having your own individual health insurance policy. It gives you peace of mind, and it gives you a chance to take care of yourself and your finances better in case something you don’t like happens to you. If you need to learn more about individual health insurance, visit us anytime. 

At Ideal California Insurance Agency, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (818) 241-4515. Get your free quote today by CLICKING HERE.