Many people are tempted not to get medical insurance because they feel like they are always healthy.
But what would you do when the unexpected happens?
If you, or someone you love, has an accident or falls suddenly ill, you want to be sure that everything goes as smoothly as it can. After all, health is the most important thing we have.
This article will tell you how having the right insurance can help you get the best treatment in Papua New Guinea.
1. Cover for evacuation
We will start with the extreme. For treatment of the most serious illnesses or accidents, there is a chance that you will need to be evacuated to another country, such as Australia, Singapore, or the Philippines.
As well as being a highly stressful situation, the costs of these evacuations can grow quickly. In fact, for most people, without reliable medical insurance, the amount of money required would be out of reach.
A medical insurance policy from TPAL means we will pay if you need to be evacuated for treatment.
This is because, as well as the travel itself, you need to consider the expenses of getting a visa to the appropriate country, and staying there while the doctors see to you. After all of this is taken into account, you could end up spending several thousand kina.
If you have a medical insurance policy with Trans Pacific Assurance Limited (TPAL), we would help cover these costs for you. This means you can get the best treatment available and concentrate on getting better without having to worry about a huge dent to your savings.
2. Coverage for the most serious (and expensive) procedures
It is no secret that some medical treatments are far more complicated, and risky, than others.
As a result, these procedures are also among the most expensive. Open heart surgery is one example that falls under this category, and while luckily it is relatively rare, it costs a great deal of money for those who do require it.
Procedures such as open heart surgery are so expensive that many people cannot afford them.
In 2016, only four of the 20 patients listed as requiring open heart surgery at the Pacific International Hospital in Port Moresby were able to afford it, according to Papua New Guinea today. Even at a discounted rate, the cost of the treatment was still an incredible K45,000.
At TPAL we offer differing levels of medical insurance cover, which allows you to select a policy that best suits you. This means that if you want coverage for the most serious medical conditions, we can supply that for you.
3. Be seen faster
As of November 2018, there were just over 8 million people in PNG, a sharp rise since the country gained independence in 1975. At this time the population was just under 3 million, and the rapid influx of people, combined with the country’s economic expansion, meant that initially hospitals and medical centres struggled to keep up.
While this situation has improved significantly, the majority of the population still makes use of public hospitals instead of private ones.
Rather than facing waiting times in the public health system, a medical insurance policy from TPAL can help you to get treatment faster. When you combine this with cover for checkups, our policies enable you to get easy access to the assistance you need to get you back on the road to recovery.
4. Choose your preferred doctor
We understand that patients build up important relationships with medical professionals. Some people will only see one or two doctors throughout their entire lives!
As long as your doctor is eligible to treat patients covered under our policies, you will be able to select them as your first choice treatment option.
This means you will be seeing someone who has the best understanding of your medical history, who you know and trust with your health. We believe this is one of the greatest benefits of having medical insurance in Papua New Guinea.
However, the most important thing is to find a level of cover that is suited to your unique situation. At TPAL we tailor our health plans to our customers, meaning you can get the best treatment when you need it. For more information, or for a free quote, get in touch with our team today.