What is it?


Health insurance pays for medical expenses that could otherwise financially overwhelm you. It covers instances where an accident might require you to be hospitalized or to treat an illness with costly prescription





drugs. Instead of paying out of pocket, your health insurance policy would take care of all the expenditures. The insurance company could either reimburse you for costs incurred or they can pay the health care providers directly.


Why do you need it?


Life often times is unpredictable and the last thing you want is an accident or illness to threaten the financial stability of you and your family. Having proper health insurance is vital to ensuring that you and your loved ones are covered when the unexpected happens. Usually dental coverage is also grouped into the broad term of health insurance. Health insurance is most suitable if you are:


• Self-employed

• Retired

• Not covered by your employer

• Looking for additional coverage on top of your current health insurance policy


Are there different types of health insurance?


Critical Illness Insurance:


Provides coverage for individuals during times when unexpected critical health problems arise such as cancer, heart attack, stroke, paralysis, and etc. Each policy will have its own list of illnesses covered. It is vital that you read and understand what is and isn’t covered so that you can make the best decision for you and your family.


Hospital Cash Plan:


A new and unique type of coverage that allows you to purchase insurance to cover unexpected stays at the hospital. Coverage amounts can be $25, $50, or $100 per day spent hospitalized.


Health and Dental:


Health and dental insurance can help reduce out of pocket costs for common expenses such as prescription drugs, routine dental care, vision care, medical equipment, registered therapists, ambulance services, and much more. 





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