Why we should have Medical insurance?

২৯ শে আগস্ট, ২০১৬ সকাল ১১:২০

In Bangladesh; I never heard about Medical Insurance. I was introduced to medical insurance when I was applying for New Zealand visa. That time I thought; why should I pay money for this type of stupid reason. I paid 500$ for 2 years but I was confused about why should I am paying this money. It’s a really stupid thing to earn money. I came here in March 2015 and the first time I was sick in April. I went to the doctor and he charged 90$ as a consultation fee and 170$ for medicine. I was scared about how I will pay this money because that time I was earning 100$ per week



Then my School gives me a piece of good news; my insurance company will return me all of that money. I just filled up a claim form and submit to the insurance company. They returned my all money to my account within 10 days. That time I realized that 500$ was my best investment to save my life. Yes, it’s my real-life story.

Now I am talking about Bangladesh; in Bangladesh heart attack and road accident is a common thing. Sometimes people are affected by a heart attack or road accident and may be that time they don’t have enough money to maintain their treatment. For example; a person having a road accident and that time he has no money. If he needs 2 or 3laks taka for his treatment; it’s really difficult to manage that much money in a short time.

As medical care advances and treatments increase, health care costs also increase. The purpose of health insurance is to help you pay for care. It protects you and your family financially in the event of an unexpected serious illness or injury that could be very expensive. In addition, you are more likely to get routine and preventive care if you have health insurance.

You need health insurance because you cannot predict what your medical bills will be. In some years, your costs may be low. In other years, you may have very high medical expenses. If you have health insurance, you will have peace of mind in knowing that you are protected from most of these costs. You should not wait until you or a family member becomes seriously ill to try to purchase health insurance.

Research shows that people with health insurance are more likely to have a regular doctor and to get care when they need it. But the problem is; there is no good medical insurance company in Bangladesh. At least I never heard about any company that is giving these types of services. But watched some TV report that; people run a business named “SASTHA CARD” and they go underground when they collect enough from the peoples. They never provide any service to their client, in simple language they are fraud.

We need some professional service providers in this sector. Obviously, I am confessing that; it’s really hard to run these types of business in Bangladesh. People might make some fake documents and claim money from the company. Because in this day; cheaters are everywhere in Bangladesh. It’s really easy to make a document from Nilkhet. There are many risk factors for this business but it’s not a barrier to run a business. An intelligent and dedicated team can easily run this business. Maybe it’s very hard to deliver service to lower class people but I am sure it could start with middle-class people.



N.B: I tried to represent this post in simple languages. Maybe there are some mistakes & thanks for reading this article.

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