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Think Health Isn’t A Priority? These Myths Could Be Putting Your Future at Risk

BY Soko Directory Team · January 6, 2025 08:01 pm

Did you know that over 70% of households face financial strain when a medical emergency strikes? Yet, many avoid health insurance due to common misconceptions that couldn’t be further from the truth. Providers like Jubilee Health Insurance are actively addressing these barriers by making health cover accessible, flexible, and tailored to diverse needs. Let’s debunk these myths and show why affordable health plans are within reach for everyone:

Myth 1: Health Insurance is Too Expensive Many people believe that health insurance is a costly affair, meant only for the wealthy. The truth is that affordable health plans exist for every budget. For as little as KSh 6,200 per year, families can access quality inpatient cover. Flexible payment options—monthly, quarterly, or annually—make health insurance accessible to low-income earners and middle-class families alike. Jubilee Health Insurance has a Lipa Polepole solution that ensures affordability is not a barrier.

Myth 2: It’s Only for Serious Illnesses Another misconception is that health insurance only covers major medical emergencies. Modern health plans are comprehensive, offering benefits such as outpatient care, maternity services, dental, and optical cover. Preventive care services like vaccinations and screenings are also included, emphasizing overall wellness rather than just reactive treatment. Jubilee Health Insurance offers full suit of products that ensure you are covered in all stages of life.

Myth 3: Young and Healthy People Don’t Need It “I’m young and fit—I don’t need insurance.” This is a risky assumption. Accidents and sudden illnesses can happen to anyone, regardless of age or health. Additionally, health insurance encourages regular check-ups, which are key to maintaining long-term health. It’s about preparing for the unexpected.

Myth 4: Claims Processes Are Complicated Many avoid health insurance because they fear the hassle of claims. However, insurers have simplified processes with digital platforms, helplines, and 24/7 support. Claims are now faster and more efficient, ensuring that customers receive timely assistance without unnecessary stress. Jubilee Health Insurance’s claims process is fully digital and available on the website.

Myth 5: It Doesn’t Fit My Needs “One size fits all” is another myth. Health insurance providers offer tailored plans for individuals, families, and businesses. Whether you need a basic inpatient cover or a comprehensive plan with international benefits, there’s an option to suit your needs. Jubilee Health Insurance offers customizable plans to fit diverse requirements whether inpatient only or international covers.

Myth 6: Pre-existing Conditions Make Insurance Impossible Many believe that pre-existing conditions are an automatic disqualification for health insurance. The reality is that many health insurers provide coverage for pre-existing conditions after a specified waiting period. This ensures that even those with ongoing health challenges can access the care they need without financial strain. Jubilee Health Insurance includes solutions for such conditions to ensure inclusivity.

Myth 7: Saving Money for Emergencies is Better than Insurance “I’ll just save for emergencies instead of buying health insurance.” While saving is important, it’s not a substitute for health insurance. A single medical emergency can wipe out years of savings. Health insurance acts as a financial buffer, and Jubilee’s Lipa Polepole solution ensures you don’t have to break the bank to afford it.

Myth 8: Health Insurance is Only for Families Another common myth is that health insurance is only relevant for families. However, individuals—especially young professionals—can greatly benefit from health insurance. It ensures access to care, builds a habit of preventive health, and protects against unexpected medical costs. Jubilee Health Insurance offers plans designed specifically for individuals and young professionals like CoverBora and JCare medical cover.

Conclusion: Health insurance is not just a financial tool—it’s a commitment to protecting your future and your loved ones. Leading providers like Jubilee Health Insurance are breaking down barriers with affordable, flexible, and comprehensive plans, ensuring that health cover is accessible to everyone. As we step into a new year, remember peace of mind starts with a single step. Choose health. Choose security. Because everything starts with health.

Read Also: Why Health Insurance Is More Than A Policy—It’s A Promise

Soko Directory is a Financial and Markets digital portal that tracks brands, listed firms on the NSE, SMEs and trend setters in the markets eco-system. Find us on Facebook: facebook.com/SokoDirectory and on Twitter: twitter.com/SokoDirectory

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