Experts believe that the most important thing to have this year is health insurance. And in finding the right cover, it is important that you look for a provider that gives you the right mix of products and services.

Here are the top three challenges when finding a health insurance:

Accessibility - In today's generation, most customers use digital channels when getting information about a certain product or updating their personal data. In fact, an Accenture study found out that people, specifically Millennials, prefer to get insurance from online service providers and have someone available to attend to their queries whenever they need it.

This pandemic has been an eye-opener for most people, understanding how beneficial and safe to purchase products online.

Affordability - Many of the hospitals  are privately owned and being confined in a regular or ICU room would cost you a lot. This crisis that we are facing right now gives us a clearer picture of the important things that we need to focus on, our health.

Some healthcare providers are now offering insurance plans at an affordable price with comprehensive coverage depending on your needs. Remember, it is still best and practical to have healthcare coverage that provides cash benefits in case of hospitalization as this gives you extra money to spend on medicines or maybe help you in your daily needs.

Coverage and Provisions - Before making any purchases, review and know more about your policy’s coverage and provisions. Check whether your insurance provider gives you comprehensive protection and has COVID-19 coverage as not all companies are willing to cover this given the risks.


Being sick and hospitalized for a simple illness could already blow a hole in your savings how much more if you are getting treatment for coronavirus. It’s a long process and may even put you in the ICU depending on the severity. That’s why financial preparedness is vital in times like this.

When looking into the high cost of Health Insurance and Health Care Think Outside the Box... with Health Sharing