Health is wealth, so says the popular adage. Life itself is full of uncertainties. That makes the human body vulnerable to sicknesses and diseases, no matter the social status of the person. Against this basic background, one can understand how important health insurance is to mankind. Health insurance is a type of insurance that helps the insured to have access to health insurance funds if the insured is attacked by health disorders or diseases for which he/she has taken insurance cover. Health insurance covers all segments of illness, from the mild to the acute. In general, insurance companies offer health insurance cover for all types of treatment available, from the benefits of outpatients to benefit of inpatient care, labour benefits, dental benefits and other forms of sicknesses.
The benefits of outpatient that may be borne by the insurance company is like a general practitioner and consultation fees which may include the cost of prescription drugs, cost of preventive measures, cost of assisting devices required by the physician and others. In the outpatient benefits there are maximum limits that make use of the insured funds each year. There are many facilities that the insured inpatients benefit from having health insurance. These benefits that can be enjoyed by participants of health insurance fall under different categories like hospital expenses, laboratory fees, delivery fees, the cost of emergency service, benefits of preventive dental care, basic dental care, dental care complex and the installation of dentures.
Outpatient, childbirth and dental care benefits are other cases of health benefits which arise out of this cover and there are additional options which can be taken by following the basic programmes. One of these is hospitalization benefits. This cover does not allow the insured to take advantage of outpatient, childbirth or dental work alone without following the basic course of hospitalization benefits. The amount of premium payable and the amount of coverage in health insurance is dependent upon the health insurance program that one chooses. In addition, it is dependent on how exposed the insured is to the associated risks of the disease. Various insurance companies have the types of programs and the premium varies with the details of different benefits as well. Usually insurance companies limit the number of total costs that can be used per year.
In taking health insurance, precautions must be taken to strictly follow expert advice and laid down dietary formulary. For instance, patients suffering from diabetics, according to a recent study, showed that the importance of proper diets illustrates how important proper diet can be when it comes to bringing down the cost of health insurance.
According to the study, conducted by researchers at Wake Forest University School of Medicine, it was found that a significant number of people with type 2 diabetes are not following healthy diets, which often aggravates their conditions over time.
Dr. Mara Vitolins stated in the study that earlier, they had thought that they “were going to find people who, because they have a chronic disease, would be more educated about and more motivated than the average people to eat healthy, but that’s not the case.”
Findings of the study found that 93 percent of participants tend to consume more than their recommended daily intakes of fat, while 85 percent consume more saturated fat than recommended and 92 percent consume too much sodium.
The nation's diet issues have become so pronounced that the growing number of young diabetics has led many healthcare professionals to discard the term "adult onset diabetes."
Dietary patterns like this are also major contributors to type 2 diabetes in the first place. Since this is considered a pre-existing condition under many health insurance plans, the condition often results in higher premiums as well as problems like heart disease and other medical issues.