Definition Of Health
1. 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 y Ou’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).
2. 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.
3. Insurance is an arrangement where an entity (insurer) promises to provide compensation to the insured upon the happening of a specified event or loss.
4. 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.
5. 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 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.
6. 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. 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).
7. Health insurance is insurance that covers some or all of the costs of an individuals healthcare (Merriam-Webster)
8. Health insurance policies facilitate access to healthcare services by providing financial assistance for consumers to get the necessary healthcare services
(Kim, Braun & Williams, 2013)
9. 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
1. 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”. 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”.
2. Health insurance contributes to reducing the economic burden of disease and improving access to healthcare.
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.
4. These essential health benefits include at least the following items and services:
Outpatient care—the kind you get without being admitted to a hospital
Trips to the emergency room
Treatment in the hospital for inpatient care
Care before and after your baby is born
Mental health and substance use disorder services: This includes behavioral health treatment, counseling, and psychotherapy
Your prescription drugs
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.
Your lab tests
Preventive services including counseling, screenings, and vaccines to keep you healthy and care for managing a chronic disease.
Pediatric services: This includes dental care and vision care for kids
5. In the past two decades, there has been a growing interest in providing health insurance to the poor in developing countries with social health insurance schemes implemented in Mexico, Nicaragua, Indonesia, the Philippines and Vietnam to name a few (Capuno et al., 2016; Knaul et al., 2012; Sparrow et al., 2013; Thornton et al., 2010; Wagstaff et al., 2015; Yilma et al., 2015).
6. 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 :
Outpatient care – the type you get without being hospitalized
Travel to the emergency room
Hospital care for inpatient care
Care before and after your baby is born
Services for mental health disorders and substance use: These include behavioral health care, counseling, and psychotherapy
Your prescription medication
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.
Test your laboratory
Prevention services including counseling, screening and vaccines to keep you healthy and caring for managing chronic diseases.
Pediatric Services: These include dental care and vision care for children
7. Health goals insurance is providing financial resources for the health system, ensuring that individuals have adequate access to public health and personal health care, and establish financial incentives for service providers to provide cost-effective health services.
8. A health insurance policy is a contract between an insurance provider (e.g. an insurance company or a government) and an individual or his/her sponsor (e.g. an employer or a community organization).
9. A health insurance claim is the documentation submitted to a third-party payer or 9 government program requesting reimbursement for health care services provided.
The Book Understanding Health Insurance: A Guide to Billing and Reimbursement
10. Health insurance policies facilitate access to healthcare services by providing financial assistance for consumers to get the necessary healthcare services (Kim, Braun, & Williams, 2013). Appropriate consumer selection of a health insurance policy allows a consumer access to health treatment services and is related to the treatment process and the treatment