TECHNICAL NOTES (HEALTH INSURANCE)

HEALTH INSURANCE

QUESTION

ANSWER

Definition Of Health According to The Constitution of the World Health Organization, Health is a state of complete physical, mental and social well-being and not merely the absence of disease or infirmity.

https://www.who.int/suggestions/faq/en/

Today, three types of definition of health seem to be possible and are used. The first is that health is the absence of any disease or impairment. The second is that health is a state that allows the individual to adequately cope with all demands of daily life (implying also the absence of disease and impairment). The third definition states that health is a state of balance, an equilibrium that an individual has established within himself and between himself and his social and physical environment.

https://www.ncbi.nlm.nih.gov/pmc/articles/PMC2080455/

Health is a complete state of physical, mental and social well-being and not just the absence of a disease or weakness that allows individuals to adequately address all the demands of everyday life.

Definition Of Insurance Insurance helps you protect yourself against risks like a house fire, car accident or burglary. You can also get insurance that pays you money if you get too ill to work or to provide for your family if you die.

https://www.moneyadviceservice.org.uk/en/articles/what-is-insurance

Insurance is an arrangement where an entity (insurer) promises to provide compensation to the insured upon the happening of a specified event or loss.

https://www.quora.com/What-is-insurance-and-how-does-insurance-companies-work

Insurance helps protect you from financial loss when things go wrong. For example:

  • Your mobile phone could fall out of your pocket and break while you’re travelling (and you need a new one).
  • You might be injured in a car accident (and you have to pay for treatment and the cost of repairs to your car).

https://www.moneysmart.gov.au/tools-and-resources/publications /factsheet-what-is-insurance

Insurance is an agreement with which an insurer ties himself to a person insured by receiving a premium, to provide compensation to him for a loss, damage or loss of expected benefits that might be suffered because of an event that is not certain.

Definition Of Health Insurance According to the Health Insurance Association of America, health insurance is defined as “coverage that provides for the payments of benefits as a result of sickness or injury. It includes insurance for losses from accident, medical expense, disability, or accidental death and dismemberment” (p. 225).[2]

https://en.wikipedia.org/wiki/Health_insurance

Health insurance is insurance that covers some or all of the costs of an individuals healthcare (Merriam-Webster)

https://www.merriam-webster.com/dictionary/health%20insurance

Health insurance policies facilitate access to healthcare services by providing financial assistance for consumers to get the necessary healthcare services (Kim, Braun & Williams, 2013)

https://search.proquest.com/openview/e047deea76aa756eed7b2bb31eb2339e/1?pq-origsite=gscholar&cbl=18750&diss=y

Health insurance is insurance or coverage facilitate access to health services as a result of illness or injury including for losses from accidents, medical expenses, disability, or death and unintentional deductions that cover part or all of the cost of personal health care.

Health Insurance Benefits

 

Health insurance contributes to reducing the economic burden of disease and improving access to healthcare.

https://doi.org/10.1186/s12939-018-0730-3

One of the benefits of health insurance through the Marketplace is that all health insurance plans cover the same set of essential health benefits, even for a pre-existing health condition. In addition to coverage for doctor visits, lab tests, hospitalization, surgery, and emergency care, here are a few more:

Pregnancy, maternity, and newborn care before and after your baby is born. You get this coverage even if you were pregnant before your coverage starts and others.

https://www.healthcare.gov/blog/benefits-of-health-insurance-through-marketplace/

Benefits of the statutory health insurance according to § 1 SGB V is to preserve, recreate or improve health of the insured person. According to § 27 SGB V this includes to “subdue the afflictions of illness”.[31] Function of the statutory health insurance according to § 1 SGB V is to preserve, recreate or improve health of the insured person. According to § 27 SGB V this includes to “subdue the afflictions of illness”.[31]

https://en.wikipedia.org/wiki/Health_insurance

These essential health benefits include at least the following items and services:

  1. Outpatient care—the kind you get without being admitted to a hospital
  2. Trips to the emergency room
  3. Treatment in the hospital for inpatient care
  4. Care before and after your baby is born
  5. Mental health and substance use disorder services: This includes behavioral health treatment, counseling, and psychotherapy
  6. Your prescription drugs
  7. Services and devices to help you recover if you are injured, or have a disability or chronic condition. This includes physical and occupational therapy, speech-language pathology, psychiatric rehabilitation, and more.
  8. Your lab tests
  9. Preventive services including counseling, screenings, and vaccines to keep you healthy and care for managing a chronic disease.
  10. Pediatric services: This includes dental care and vision care for kids

https://www.healthcare.gov/blog/10-health-care-benefits-covered-in-the-health-insurance-marketplace/

Health insurance contributes to reducing the economic burden of the disease and increasing access to health care includes the same essential health benefits, even for pre-existing health conditions which include coverage for :

  1.  Outpatient care – the type you get without being hospitalized
  2. Travel to the emergency room
  3. Hospital care for inpatient care
  4. Care before and after your baby is born
  5. Services for mental health disorders and substance use: These include behavioral health care, counseling, and psychotherapy
  6. Your prescription medication
  7. Services and devices to help you recover if you are injured, or have a chronic disability or condition. These include physical and occupational therapy, tongue language pathology, psychiatric rehabilitation, and more.
  8. Test your laboratory
  9. Prevention services including counseling, screening and vaccines to keep you healthy and caring for managing chronic diseases.
  10. Pediatric Services: These include dental care and vision care for children

 

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