Introduction

It is more crucial than ever to safeguard your loved ones and yourself against unforeseen financial hardships in today’s uncertain world. Medical expenses are on the rise, it is now particularly crucial for Nigerians to have health care coverage. Health care plans offer financial security in the event of illness, injury, or disease. Wellahealth offers affordable and comprehensive healthcare coverage that is suited to your healthcare needs.

Credit: Daily Trust

In this article, we will discuss why health care plans are important, the types of plans Wellahealth offers, the benefits of these plans, and what can happen without health care plans.

Why Do I Need A Health Care Plan?

Health coverage offers protection against unforeseen costs or losses financially. The financial strain that can result from unforeseen circumstances such as infections, accidents, or natural disasters can be tremendous. By paying benefits or covering expenses, health coverage lessens the impact and ensures that you and your family may recover without experiencing severe financial hardship.

Health care plans offered by Wellahealth

The healthcare care packages that Wellahealth Technologies offers include:

• Basic Plan
• Pharma Plan
• Compact Plan

Basic Plan

The basic plan covers doctor consultation (telemedicine), malaria tests and drugs.

It costs: #2,300 for 3 months, #4600 for 6 months, and #9200 for 1 year.

Pharma Plan

The pharma plan covers malaria tests and drugs, typhoid tests and drugs up to 6 times!

It costs: #2,500 for 6 months, and #5000 for 1 year.

Compact Plan

The compact health plan covers doctor consultation (telemedicine), malaria tests and drugs, typhoid tests and drugs, heart checks, diabetes checks, hospitalizations, and funeral assistance.

It costs: #5,500 for 3 months, #11,000 for 6 months, and #9200 for 1 year.

The Benefits of Health Care Plans

●     Peace of Mind

Life can be stressful, especially when you’re always worried about the future. Health care coverage gives you and your family peace of mind by ensuring that you and your loved ones are protected against unforeseen events. Whether it be health issues, the danger of accidents, or the likelihood of natural disasters, a healthcare plan guarantees that you’ll be ready for the worst.

●     Risk Management

Getting a health care plan is a risk management instrument. You shift the risk of suffering a big financial loss to a provider by paying recurring premiums. company pays you back for losses that are covered in exchange, making sure that an unforeseen circumstance doesn’t deplete your funds or put you in debt.

●     Financial Security

The most important advantage of having health coverage is the financial security it offers. In a crisis, whether it be a medical emergency, a vehicle accident, or a natural disaster requiring hospitalization, the health care plans cover costs that would otherwise have to be paid out of pocket, allowing you to concentrate on healing and recovery instead of worrying about how you’re going to pay the bills.

What Happens Without A HealthCare Plan?

The implications of not having health coverage can be disastrous, even though it occasionally seems like an unnecessary investment. If you or your family lack healthcare coverage, the following may occur:

• Medical debt: A single medical emergency without coverage could result in hospital costs of tens of thousands or even hundreds of thousands of naira, which could put you in debt or force you into bankruptcy.
• Loss of assets: If you don’t have a health care plan and you are sick, you may have to pay for drugs, tests, and hospitalization out of pocket, which could result in the loss of large assets.
• Income loss: If you are sick or become incapacitated, your family may not have the funds and without health and disability coverage this could lead to loss and unpaid bills.

How To Select The Right HealthCare Plan For You

Your family’s lifestyle, financial status, and specific needs all play a role in selecting the appropriate health care plan.

Before selecting a plan the following principles will guide you:

• Assess the risks: Think about the hazards that your family and you encounter. Do you have dependents who depend on your income, or have any health issues? Prioritize a plan that covers these risks.
• Compare policies and prices: To get the best coverage and prices, shop around and evaluate several providers. Think about the coverage limits, exclusions, and customer service in addition to the price.
• Regularly review policies: Your healthcare needs will change as your family life does. You should check and renew policies whenever you have children, get married, become a homeowner, or experience a change in income to make sure your family is still properly protected.

Summary

A vital instrument for securing the financial future of your family is healthcare coverage. Having the appropriate coverage in place guarantees that you’re ready for life’s unexpected events, whether it’s for the protection of your money or health. Subscribing to a health plan gives you and your loved ones more than simply coverage; it’s an investment in protection and peace of mind.

Avoid waiting until the last minute. Take the time to assess your healthcare needs today to ensure you have the appropriate coverage for whatever life throws at you. Because medical expenses are on the rise, Nigerians must have healthcare coverage. In the event of illness or injury, it offers financial security, which is why Wellahealth provides affordable and accessible healthcare plans for as low as  #5000/year.

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Article written by Dr. Ifeoma M. Uduh (BDS)
Edited by Dr. John Afam-Osemene (MBBS, DA)