Benefits of the health insurance and its importance to the patient

        Everyone knows the term Health Insurance. But do you know its real benefit? You are here because you need to know about its benefits. Let I stop this unwanted explanation and we shall go into a small story of my patient.




         On that day, I am on the way to the primary health centre, the sky is clear and the breeze is good. My car has stopped in the toll and I took a one-way ticket. When I reached the primary health centre, there are many patients who are waiting for the doctor's consultation and some patients had come for the regular checkup.

        After seeing a few patients in my outpatient room. A person came for ulcer - debridement and dressing. He looked obese and my first sight on him had indicated that he has severe problem. I made him sit on the patient bed and asked his complaints. He told that he came here for dressing.

         My curiosity has made me to investigate more and to dig his past history. On asking direct questions, I came to know that he is a chronic patient of hypertension, which he had diagnosed two years back. If you don't aware of hypertension, know about it. Hypertension is a silent killer. Please suggest your friends for a regular clinical checkup to detect any illness or conditions like hypertension.

         If that patient had diagnosed hypertension at the early stage, he will be saved from the kidney failure. Yes, his both kidney has lost its vital functions. He told that he is on regular dialysis. I examined the ulcer on his left hand, which is the preferred side for the dialysis.

         On further speech, I came to know that the cause of ulcer is due to the lack of experience of that dialysis staff in charge. Due to improper unsterile condition, the infection had spread to the patient. There is a condition like the cold abscess and the abscess is gradually formed into a slough forming ulcer. It is the worst period for that patient because the dialysis is most commonly done on the left hand. Due to this condition, the dialysis is done through the veins around the neck.

         Okay, you can ask me that what you are trying to convey me from this story. Be calm and read below. Let assume that he had a best affordable health insurance and it covers his all treatment cost. If he had his health insurance policy while he was fit enough and younger, then he can be more relaxed during his worst period. Moreover, he can choose the best hospital for his treatment. The best hospital means the hospital which has all facilities and the experienced doctor with his staffs.

         Due to the lack of financial management and not knowing a good health insurance, Now he is suffering from his fatal disease. If you had a good health insurance, you can choose a good doctor, best hospital, excellent treatment. Moreover, you can cover the cost of regular health checkup from your health insurance company. If he had diagnosed his hypertension earlier, he may have been saved from his fatal disease. One option is there for both kidney failure, that is kidney organ transplantation. But it is also costly and not affordable for a layman. So I suggest you that please get a good health insurance when you are young. Let make your future bright and live healthily.