We don't tend to think about how imperative good health is until something happens to us or someone we love. It's times like these that health insurance is there to provide a safety net.
The benefits of health insurance are clear – decreased waiting times, access to specialists, better medical facilities and more treatment options.
If you're considering taking out a health insurance policy for the first time it can be hard to know exactly what to look for.
Here are some considerations you need to take into account if you're thinking about investing in medical insurance:
Pre-existing conditions
Before you invest in medical insurance you will need to think about your pre-existing conditions – health issues you already deal with and future considerations, such as having a baby. These can affect what type of cover will be best suited to you and your family.
Family history
When thinking about your policy options, it's also helpful to look at your family history. If possible, ask your parents or grandparents whether they have experienced any hereditary conditions such as breast cancer, osteoporosis, heart disease, vision impairment or conditions that may require physical therapy. Being aware of these health issues can help you and your insurance provider tailor a suitable level of cover.
Medical emergency
Because our public health sector is underfunded, finding the right treatment in a rural location for an affordable price can be challenging. If you live in an isolated location, without decent transportation routes, you may require airlifting in the event of a medical emergency.
Specialist healthcare practitioners
If you have any health issues that may require a specialised medical practitioner located in a certain hospital you will need to ensure that these services will be covered in your policy.
Transportation
If you live in one of Papua New Guinea's 20 provinces, but your family lives on the other side of the country, it is important to check that your policy will cover transportation costs so that you're able to have the support of family and friends if you require it.
Since deciding on the right insurance plan can be a complicated process, the team at Trans Pacific Assurance aim to educate you about your options in a clear and comprehensive way.
Some other questions you may want to ask us could include:
- Does the policy cover my whole family?
- When does the cover start?
- Can I choose my doctor?
- Which hospital treatments does this cover?
- Which hospitals have agreements with Trans Pacific Assurance?
If you're looking into health insurance for the first time and would like to have a chat, get in touch with a specialist today.
