By having private medical insurance we can have our own choice of doctor. It makes us to save our time also along with getting luxurious medical treatment. Our medical insurance is an agreement in which we pay a stipulated consideration, which is called 'premium', to the insurer in return for which the insurer agree to pay for any treatment, which may cost thousands of dollars whenever we are admitted to hospital. The purpose of private insurance is that when we avail some medical services insured, we need not bother paying at the time we receive service.

Its natural we need to have insurance because the older we get, the more chances of health getting bogged down or shall say decay of our health standards. With life partner and small children around, we need to take earnest steps for betterment of their life as well as that of ours, with security we get from health insurance. Major advantage of choosing private health insurance is waiting period for us to get treatment, because we can have our own choice when it comes to choosing a doctor. When our illness demands immediate medical attention, time will be the crux of the matter.

With private medical insurance we can also get double advantage of treatment in a public hospital also. When we avail treatment in a public hospital, we will be treated as if we opted for government insurance, where as when we go for private hospitals the private insurer will treat us. So, we can take advantage of any hospital, when we really need. According to a report in the United States, private financing accounts for about 55% of health spending. All said and done, there will be loopholes in every thing in this age. It's up to the Government to improve health conditions and make policy decisions, for the betterment of people at large.

Not having health insurance surely affects our daily life, when we keep being worried if anyone in our family falls ill or how we going to pay for doctors and medical costs. This way we can easily remove constant worries lurking in our mind. Before opting for suitable medical insurance, we need to be choosy as to which plan suits us

best. There's change in insurance plans with passage of time, as premiums depend on insurance plans, and taking into account insurer's details. So it's clear that they don't cover for all needs, which is basic concern of one and all. So a basic insurance isn't the same as other health insurance plans. There's wide difference, and they depend on our needs and on us also. It depends on how secure our finances are, on our options at hand, risks we are supposed to take etc.

We need medical insurance not because it covers our expenses when we fell ill, or it's not whether we are diagnosed already, but most importantly it helps us to lead a better life, in mind and body. At times we hear opinion doing rounds that instead of buying medical insurance, without knowing gravity of its need in our lives, it's better off saving some money. But major advantage of having private insurance is we need not worry constantly regarding our health. After all cool head is what it takes for us to do better in everything we do in life.

As definition goes health insurance is nothing but reimbursements clients get with plan coverage. It's important to understand the fact that certain plans cover certain types of care, so by understanding in detail we help ourselves as to how to budget our money. So if need be, we can go for better plans, with higher premiums. It's not advisable to limit plans when it comes to the value of health insurance plans. It's all about using benefits that accrue from private insurance, using prevention to avoid health problems we encounter in life.

These days there's tremendous improvement in medical standards, with increase in demand for treatment from all sections of society. Not long ago, we didn't think about organ transplantation as an option. Now it's something that happens pretty easily. Same will be the case with coronary artery bypass surgery also. All in all there are thousands waiting to be treated and their numbers are growing day by day.

We must take care while choosing suitable private insurance. What illness they cover depends on each policy, and here we must be aware of pitfalls that accrue also. Some diseases are of our scope of prediction, and we can't do anything about it. We can't expect to cover unpredicted illness in policies we choose. It's as simple as it goes. But we can make sure our health is secure at the most. We will get what we pay for! That's why it's really vital to get to basics and do something things that matter for us first. So we can be happy forever, with a plan that suits us.

People need a sense of security that they can avail treatment with loads of options beforehand. With private insurance major advantage is time and another is that we can be treated by our own convenience and by a doctor of our own choice. All said and done, private insurance ensures security when we face health hazards of any magnitude. Having insurance makes us to recover fast, so that we can concentrate on recovery, and not on disease. On lighter vein no insurance is a guaranty we won't fall ill, or be killed in some traffic accident!