As important and beneficial as health insurance is, it is sad to find that the level of penetration in Nigeria is still less than 5%. It appears that the major reason for this is ignorance. Many Nigerians have never heard about health insurance, have no idea how it works – let alone its benefits – and therefore have not made any attempt to purchase it for themselves or their families.

Here are the Top 7 reasons why you should have health insurance:

#1: You’re Protected When You Need Urgent And Unexpected Medical Attention
Sickness and injuries do not always give advance notice. With a health insurance policy in place it is comforting to know that you can have access to good quality medical care when you fall ill unexpectedly, or when you’re injured in an accident and require urgent medical attention. Especially if this happens at a time when you’re not financially buoyant or in a position to be able to pay your hospital bill from your pocket.

#2: You Have Access To Better Quality Health Service
With a health insurance policy in place, you are exposed to a wide range of options of care providers (medical facilities) to choose from. You can decide to choose an upscale provider (depending on your particular plan) which you might ordinarily not be able to afford on a pay-as-you-go basis.

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