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If you don’t currently have a good private healthcare insurance policy, especially if you are an expat, recently released figures by a US news agency might spur you into action. According to Bloomberg, the Food and Drug Administration in the US put the cost of 11 out of 12 newly-approved cancer treatments at over $100,000 per year. Couple this with chilling cancer statistics published earlier this year by the World Health Organisation (WHO), who predicted the number of cancer cases worldwide to rise by a frightening 75% in the next two decades, and you start to see how vulnerable you and your pocket might be without one.
The WHO estimates that in twenty years time, 25 million of us worldwide will have cancer. If you or a member of your family are unlucky enough to be one of that statistic, who do you think is going to pick up the tab for treatment? With healthcare budgets already stretched to breaking point and many countries cutting back the free care on offer, it is unlikely to be the state. And if you are an expat, your adopted country is almost certainly not going to spend its precious resources on you. In fact, some countries in the Middle East, including Dubai and Abu Dhabi, have made private healthcare a condition of entry for expats wishing to live there.
Of course, cancer is not the only risk. While we all like to imagine we are immune to tragedy, it can strike at any time. You never know when you will be bitten by that malaria-bearing mosquito, be involved in a car accident or injure yourself inadvertently. All these possibilities are entirely out of your control and could cost you an awful lot of money. Take one of our expat clients who was seriously injured in a car accident in Singapore and ended up with a bill of over $50,000 – imagine how pleased he was to have adequate healthcare in place to cover all the bills.
You might argue that local Asian healthcare is much more affordable and you would be happy to settle for that but costs can still quickly spiral, and many local hospitals and medical facilities in parts of Asia lack up-to-date equipment and treatments which could mean the difference between life and death. Is that really a risk you are willing to take for you and your family?
If you genuinely think you can afford to skip on private healthcare, I hope you have your fingers well and truly crossed! However, if you think now might be the time to put some cover in place, why not have a chat with one of our professional financial advisers? Our policies are a lot more affordable than you might think and the peace of mind of knowing that whatever health problems come your way, you and your family will not have to foot the bill will definitely be worth it. If you want to know more about health insurance get it touch today.