What Will Happen If You Have No Health Insurance?

An insurance plan has become one of the most significant things that one needs in life. We are aware that insurance will provide us with so many benefits, and we cannot deny that. However, some people are still reluctant to buy one, even have been told about its importance and advantages. Are you one of them? If yes, you should quickly buy health insurance policy for working adults Malaysia. Do you know what will happen if any health insurance does not protect you? Well, that is what we will uncover in this post.

What Are The Consequences if You Are Uninsured? 

This is such a good question. What are the effects and consequences if you refuse to be insured? Well, let’s take a look at what could happen if you do so.

1. Risk of Not Being Able to Receive Medical Services

Yes, you read that right. You have to know the fact that according to the law, health providers have the option to not serve any medical service to someone who does not have insurance. You wouldn’t want that to happen. Other than that, most healthcare plans would require insurance policies to be present in preventative services. Most of the services such as blood pressure checks, pap smears, cholesterol checks, mammograms and many more are usually free, but without health insurance, you might be denied access to them. 

2. The Inability of Paying Medical  Bills 

Hospital or clinic bills can be very expensive. Without insurance, it might require you to seek another option. You have to pay the full price using your own money. Let’s take an example if you have to undergo an operation or surgery. You are aware that the bills would be very expensive and without insurance cover, you need to pay everything on your own. Surgical bills are known to be very pricey and not to mention the follow-up sessions and medication bills. 

3. Incapable of Getting Medication

Some medications can cost a lot of money depending on what illness or condition they are used for. Just like the healthcare services prices, medications too, have also seen to increase in price. Even though there is a subsidy provided, the price is still considered pricey and not everyone can afford them. 

Looking for the Perfect Plan

What are the aspects to look for in finding the right plan for you? 

1. Your health condition

Take a look at yourself. Are you fit and have a healthy lifestyle? Are you suffering from any illness or think that you might be? This is the most prominent aspect among the others.

2. Your financial situation

In case you are worried about your financial situation, you can always go for a health plan that offers lower monthly premiums. 

3. Your Visit to the Doctor

In case you suspect that you have an illness, you might want to go to the doctor often. This might cost a lot, so you need to take a plan that can cover this. 

There are actually several solid reasons why many people are uninsured. The reasons such as not being able to find the perfect plan, not being eligible to be covered, and some having lost their jobs. If you are in one of these situations, you can always seek help from a professional.