Private Health Insurance: Pros and Cons

Private Health Insurance: Pros and Cons

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Pros; Having private health insurance assures that you get to choose which benefits you want to be included in your package.  These benefits include coverage for consultation fees, maternity, and other critical illnesses.  These also include choosing the hospital that you wish to visit, and the doctor that you wish to get treatment from. Cons; Remember that private health insurance would require you to undergo a battery of medical tests in order for the company to determine whether you can be insured or not.  You can be denied health insurance for a number of reasons, and it can be a disadvantage if you have any pre-existing health problems that you want to be treated.  This may also be the case if you are predisposed to getting diseases such as diabetes and hypertension, or even if you are employed in what can be classified as a ‘hazardous occupation.