Well every one of us has dreams and aspirations and sets out various goals to achieve in his or her life.
But the irony of this situation is the fact that you have only one single life to accomplish all your dreams, aspirations and goals that you have set for yourself.
So it is of immense importance that you should take proper care of your life, or in other words you must guard your health so that you stay fit and fine in order to focus on your work, aspirations and goals.
But do we really take care of our health?
In the present age, we are living such a fast paced life that we invariably tend to ignore the health aspect of our lives. The result is that we are getting more prone to illness than ever before. Moreover, there is a steep rise in health care costs which further worsens the whole situation.
As a matter of fact, the past decade has seen a sharp rise in the hospitalization expenses worldwide. If we take U.S. as an example, in the U.S. alone hospital stay has become immensely expensive over the past decade. Whereas an average hospital stay that cost $17390 per patient in the year 2000 has sharply risen to cost you $33079 per patient in the year 2010.
This means that an average hospitalization stay cost has doubled in just a single decade. Again in the U.S. you get to spend three times more than other industrialized countries as average hospital stay cost per patient.
And that’s not all as prescriptions for painkillers have tripled in the U.S. in the past two decades. All the more, spending on prescription painkillers have drastically risen from $6.7 billion in 2007 to $8.3 billion in the year 2011. If we take into account the health care spending in the U.S., it has seen a rise of 50% in the past decade.
The situation gets worse by the fact that whereas health care expenses have registered a sharp rise in the past decade income per person has actually fallen by almost 6% over the same period. This means that savings potential per person has actually fallen due to rise in overall expenses.
Here, it is important to realize that are we prepared to bear the heavy and rising costs of health care expenditures.
What is the way out for you?
One way is that you regularly save for the health care costs for yourself and family. That is surely a way out to meet the health care expenditures.
But is it so easy and moreover sufficient to meet any sort of health related crisis that you might face in the future? Well certainly not.
Then what is the most practical solution for you?
Having a Health Insurance can certainly solve your problem. Even though health insurance costs have also seen a steady rise in the last decade, taking a health insurance still remains the best and the most viable method to get rid of all your health related concerns and risks.
At this point, I will illustrate an example to bring out the importance of health insurance in your lives.
Recently one of my dear friends John was admitted to a hospital as he had met with a serious accident. He had multiple injuries, which included a leg and arm fracture and other complications too. He underwent an intensive care in the hospital, and the doctors had prescribed for an operation too. He was hospitalized for more than a week.
All this led to huge hospitalization costs which led to several thousand of dollars. John had little savings and had no health insurance cover to take care of his medical, operative and hospital costs. He found it hard to meet his hospital expenses although all his friends supported him in this critical hour.
So you see that if John had a health insurance he had not faced such difficulty in meeting his hospital expenses. Now you can easily understand the importance and utility of having a health insurance. We have put before you the facts related to as to why you need to have a health insurance with you.
But finally it is up to you to decide as to whether you require a health insurance or not. Remember life is precious and given only once and you need to protect it from any crisis including health.