No one is immune to illness or accident. When it happens, it's best to plan to reduce the impact of hospitalization on your budget. To protect yourself, in addition to taking out specific mutual insurance coverage, you can also take out hospital cover. So, is it a good idea or a bad idea?
Health insurance does not cover all medical expenses. For example, a visit to a specialist or a hospital stay is only partially reimbursed. Other costs are your responsibility and can be very high. Just think of supplements for a single room, fees, transport to and from the hospital, etc. In these cases, hospital cover is useful.
What is a hospital cover?
Hospital cover is a contract separate from your health insurance. This supplemental offer can be purchased to enhance your coverage if you need to be hospitalized. Its goal is to reduce your out-of-pocket costs. Some insurance companies offer, in addition to their standard health insurance, to strengthen their protection in the event of hospitalization by paying daily allowances. This involves receiving a sum of money for each actual day of hospitalization.
Why take out hospital cover?
Excess hospital fees are commonplace, especially if the immobilization takes place in a private clinic. Added to this are the costs of a private room and other comfort costs, such as television. In the end, hospital bills can be steep. Through the additional compensation it provides, a hospital cover can partially cover the remaining costs.
Benefits of a hospital cover
The benefits of having health insurance that covers hospitalization are numerous, as it avoids long waiting lists for surgery, provides treatment for illnesses requiring inpatient treatment, improves the quality of the healthcare received, and offers the convenience of a single room for the patient and their companion.
Below are some advantages of having hospital cover in your health insurance.
- Hospitalization expenses: The cost of hospitalization expenses, such as your hospital room, medical care, medications administered at the medical facility, and any other hospital services needed during your stay.
- Surgeries: Hospitalization coverage can also cover the costs of necessary surgeries, both outpatient and inpatient, including the compensation of the surgeon or specialist, the anesthesiologist, and surgical materials used during the procedure.
- Postoperative care: After surgery, you may need ongoing medical care. This coverage may include doctor visits, physical therapy, or other treatments necessary for your recovery.
- Intensive care: In cases of serious illness or injury, you may need to be admitted to the intensive care unit (ICU). Hospitalization coverage includes costs associated with the ICU, such as ongoing medical monitoring and specialized treatments.
- Emergency Medical Transportation: In emergencies, ambulance transportation to the hospital may be necessary. This coverage is included in your hospitalization coverage to ensure you receive prompt and appropriate medical care, even in an emergency.
Why choose M-KOPA health cover?
M-KOPA offers a wide range of health insurance plans that cover hospitalization with extensive coverage and services. In partnership with Turaco, we ensure that our customers get paid for their claims after being hospitalized. Contact us to learn more.
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