Health insurance is vital needs in all part of modern societies. It’s not about how insurance cover the accident risk, but people also depend on medical treatment and healthcare coverage. This condition can be solved by several developed countries, such as United Kingdom which provide free of charge public insurance coverage for all kind of medical treatment and health care, or Canada, Japan and France which provide public healthcare insurance that guarantee the residents to get medical treatments, at least the necessary ones with flat subsidiary for all medical professionals so residents can enjoy their rights in all medical facilities around the country.

In some parts of the world, registering your self, or your family both in public or private insurance companies invites many opinions about the effect and the benefits. The general benefits are really clear, the premium payers and the dependents are covered from the risks, while they can take a deep breath whenever bad things happens. As opposed of the situation, many problems occur when health insurance becomes vital living tools.

The problems occur in several countries where insurance is vital yet so expensive to fulfil health care standards. Many people who register themselves and family in private insurance company find difficulties in paying the premium surcharge, they end up with bankruptcy and failed to fulfil the payment, living themselves uninsured conditions.

The condition might create another big problem when people get dependent with medical prescription without proper health care coverage. This condition appears because certain insurance companies restrict medication prescription coverage to save more money. As consequences, people are dependents with the development of pharmaceutical medicine that more expensive day by day.

In several countries, doctors are unpaid for their quality service. In fact, they are contracted with certain insurance company with certain service budget. This is the reason why different premium payment gets different quality service. This problem affected on how people tried so hard to pay the premium out of their salary limits.

Many insurance holder find problems when the healthcare insurance uncovers the important things at any means, such as pregnancy and childbirth. It often happens to unemployed woman, or the wives who registered as husbands dependent and are not fully covered.

We can’t deny that the freedom of private and semi-public insurance company gives you freedom to choose suitable coverage based on the salary, but it affects on how people’s choice to accept the condition that insurance rule make, or living uninsured.

By: Jasan Koh

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