Q. I am a working professional with company-assisted health insurance. Despite my organisation providing me with health coverage, I end up spending a substantial amount out of pocket on regular doctor's appointments, therapy sessions, etc. Should I top up my health coverage with a healthcare subscription? How can I effectively reduce my out-of-pocket medical expenses while still maintaining adequate coverage?
As a working professional, it is important to prioritise your health and consider your options when it comes to medical expenses. While your company-assisted health insurance may provide coverage, it is often limited and may not cover all your needs such as access to therapists, dieticians and nutritionists.
Additionally, your corporate insurance plan will cease to exist once you leave the job. Hence, it is recommended to have a personal healthcare coverage plan in addition to your corporate plan.
Your daily routine as a professional can impact your health in more ways than you realise, leading to various health concerns such as frequent cold and fever, nutritional deficiencies, mental health concerns, etc which require different expert opinions. In these scenarios, you may find yourself paying out of pocket and exhausting your corporate health coverage.
A healthcare subscription can be a good option for topping up your current coverage and minimising or eliminating your out-of-pocket costs for OPD (Outpatient Department) needs. With healthcare subscriptions, you are guaranteed that your OPD costs are minimised dramatically, if not completely eradicated.
These subscriptions often include insurance top-ups that can provide additional coverage beyond your corporate plan. It is important to carefully consider your options and choose a plan that meets your specific needs and budget.
Matilde Giglio, Co-Founder & Chief Operating Officer, Even Healthcare
