Medical Insurance

Medical health insurance is an insurance taken out to cover cost of medical care.

WHY IT IS IMPORTANT TO GET A MEDICAL HEALTH INSURANCE

The importance of medical health insurance cannot be over emphasized;

• Health insurance helps protect you and your family from financial hardships that may result from health care expenses in case of an emergency or serious illness.
• Peace of mind comes from knowing you and your family have the medical services needed to keep you healthy, as well as health coverage in the event of an unexpected illness or injury.
• Health Insurance may seem expensive, but not having it can cost much more: How many people do you know with a heart condition or chronic illness? Imagine the cost of paying out of pocket and adding that to your monthly bills, but with health insurance you pay a premium for a whole year.
• With medical health insurance you are assured of a more secure future both health wise and moneywise.
• You are offered the opportunity to choose from a range of private facilities (Better facilities)
• It helps pay for some of those unexpected cost and provides financial protection against large medical bill.
• Availing adequate medical care without the worry of insufficiency.
• Not having Medical insurance can be devastating: People who don’t have health insurance tend to wait until their condition is at its worst before assessing care. This results in large bills which they may not be able to pay and the patient may even develop complications or die; People with health insurance are more likely to see their doctor before their condition worsens and becomes more expensive to treat.
• Preventive care: Those with health insurance are much more likely to use it for receiving annual check-ups and other diagnostic tests that can catch serious medical conditions early when they are still treatable, by so doing they live healthier and longer. The checks include:

• Blood pressure screening.
• Cholesterol screening.
• Diet counseling.
• Colorectal cancer screening.
• Vaccines for hepatitis, herpes, influenza, tetanus, measles and mumps.
• Alcohol misuse screening and counseling.

HOW IT WORKS

Health insurance is an annual insurance policy, renewable every year. The policy covers hospitalization due to sickness and emergencies; the extent of treatment is subject to the type of policy subscribed to. The policy could either be of Coinsurance or deductible.

Coinsurance: The costs you and your health insurance share. This could be in form of percentage, For example, you pay 40 percent of the total cost of your hospital visit or hospital stay, and your plan pays the other 60 percent.

Deductible: The amount you pay for medical costs each year before your health plan begins to pay.

For more information please contact the Insurance department on 0807 420 3063 or 0807 4011 278

You can also send an email to

casemanager@thewestendhospital.com

healthinsurance@thewestendhospital.com

Below are some of the HMOs we partner with:

If you have any questions concerning HMOs, enrollee registration or other concerns please call our HMO Care Coordinator on 08074203063.