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If only life were that predictable ! Many people believe that they will never become sick … until they do. I sometimes meet people who have had medical insurance for years and not had need to claim on it and they wonder whether it is worth keeping it.
Here are 3 reasons why I believe health insurance is critical for all expats :
Eliminating risk – few of us have the financial resources that would be required if we were unlucky enough to suffer a serious accident or be diagnosed with an illness such as cancer which could require treatment and care running into thousands of dollars. Purchasing health insurance transfers this risk to the insurer so that whatever happens, you will have access to the most effective treatment and the best medical facilities available. It is just the same as transferring the risk of being burgled to an insurer, only your health is far more valuable than the contents of your home.
Peace of mind – there are plenty of things to worry about in life so why add the cost of healthcare to them ? Asia is no more dangerous than any other continent, but no less dangerous either. A mosquito bite could carry the risk of malaria or dengue fever, a cut could turn septic, high levels of pollution in many cities could trigger respiratory problems. The point is that you never know what is going to happen to your health but you can spare yourself the worry of how you will deal with the financial implications of any medical care you might require. Why live with the fear when it is so easy and inexpensive to put healthcare cover in place for you and your family?
Choice – in some, although not all, parts of the Asia Pacific region, public health facilities and hospitals can offer affordable care however standards of cleanliness, care and the availability of up-to-date medical and diagnostic equipment vary considerably from one local hospital to the next. By taking out a suitable medical insurance policy you will have the option to choose the hospital and medical treatment which will best suit your needs rather than settling for second best.
While medical insurance may feel like a waste of money when you are lucky enough to be in rude enough health not to need it, life is unpredictable and your medical requirements can change overnight. You just never know when you might need costly treatment that would be prohibitively expensive if you had to pay for it yourself. That’s not a waste of money, that’s sensible planning.
To discuss whether you require to include medical insurance in your financial planning get in touch today.