Did you know that in South Africa, every citizen is entitled to some form of health insurance thanks to the National Health Service? The money is funded by Social Security and National Insurance funds. It sounds like an amazing concept right?
Well, no, not exactly. The coverage many citizens receive is bare minimum, unable to keep up with the fast pace and always changing medical field. The coverage does not do justice for the high costs.
A lot of major businesses are finding more peer pressure to adopt a company wide insurance plan that helps employees pay for basic medical needs as well as more severe and life threatening medical needs. This will hopefully in turn allow more citizens around the world access to primary health care.
For the percentage of the population who lacks sufficient funds, they must turn to alternate means. They can either stick with the state provided health insurance or consult a private insurance broker. Private health insurance brokers are located in offices around the country or even online.
The insurance broker will request a medical physical after coming into contact with the provider. They will schedule a date and time that fits with your busy schedule. At the medical physical, a doctor or medical assistant will study your health. One of the most important aspects of the physical is determining the quality of your vital organs, including heart, lungs, kidneys, and liver.
The doctors are required to ask you personal questions at the appointment. These questions will range from your diet and exercising habits, to whether you smoke or do elicit drugs. While these questions are embarrassing, you must answer them honestly. The doctor will also take into account your weight and if it could improve.
Along with the weight, the doctor will gage the possibility of future diseases based on past family diseases and disorders. In medicine, doctors have found a common link between current diseases in patients and the same disease found in older family members. So family hereditary diseases are studied and scrutinized.
The culmination of the physical will result in the doctor sending off the final medical report to the insurance company. Experts on the staff will discuss and review your medical information, including the state of your organs, your personal information, and family history. All these factors are weighed into your quote.
In conclusion, if you are a healthy and active individual, you are almost guaranteed to qualify for health insurance. However, individuals that are overweight or smoke are causes for concern and health hazards.
Health insurance providers want to help, but they are only willing to take so many risks. Take care of your body and lifestyle and you will make a perfect candidate for health insurance.
Well, no, not exactly. The coverage many citizens receive is bare minimum, unable to keep up with the fast pace and always changing medical field. The coverage does not do justice for the high costs.
A lot of major businesses are finding more peer pressure to adopt a company wide insurance plan that helps employees pay for basic medical needs as well as more severe and life threatening medical needs. This will hopefully in turn allow more citizens around the world access to primary health care.
For the percentage of the population who lacks sufficient funds, they must turn to alternate means. They can either stick with the state provided health insurance or consult a private insurance broker. Private health insurance brokers are located in offices around the country or even online.
The insurance broker will request a medical physical after coming into contact with the provider. They will schedule a date and time that fits with your busy schedule. At the medical physical, a doctor or medical assistant will study your health. One of the most important aspects of the physical is determining the quality of your vital organs, including heart, lungs, kidneys, and liver.
The doctors are required to ask you personal questions at the appointment. These questions will range from your diet and exercising habits, to whether you smoke or do elicit drugs. While these questions are embarrassing, you must answer them honestly. The doctor will also take into account your weight and if it could improve.
Along with the weight, the doctor will gage the possibility of future diseases based on past family diseases and disorders. In medicine, doctors have found a common link between current diseases in patients and the same disease found in older family members. So family hereditary diseases are studied and scrutinized.
The culmination of the physical will result in the doctor sending off the final medical report to the insurance company. Experts on the staff will discuss and review your medical information, including the state of your organs, your personal information, and family history. All these factors are weighed into your quote.
In conclusion, if you are a healthy and active individual, you are almost guaranteed to qualify for health insurance. However, individuals that are overweight or smoke are causes for concern and health hazards.
Health insurance providers want to help, but they are only willing to take so many risks. Take care of your body and lifestyle and you will make a perfect candidate for health insurance.
About the Author:
Graham McKenzie is the content Syndication Manager at insurance123.co.zaSouth Africa's leading Health Insurance information portal.
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