Getting a private health Insurance isn’t as complicated as it seems. According to RelianceHMO, it specifically covers the cost of the insured people’s medical or surgical expenses, by providing a way for them to pay their medical bills and other health care costs. Depending on the type of coverage, you can either pay for medical costs out-of-pocket and then be reimbursed later, or you pay directly to your health insurance provider. Having a health insurance plan is a sure way for you to easily access primary health care in top hospitals in Nigeria without paying every single time. Once you have health insurance, you have secured the health and welfare of yourself, family members, and employees, thereby giving you and them unrestricted access to quality medical care. Various lifestyle diseases like obesity, diabetes, heart diseases, and respiratory problems caused by stress, pollution, and unhealthy eating habits, are quite common in people under 45 years of age and if you fall within this age bracket, you could be predisposed. While you may take precautions and manage these diseases, one slip up health wise, can still pose a financial challenge for you. Having a health plan that covers medical tests, can allow you to go for a check up which could catch these illnesses early, making it easier for you to treat them. RelianceHMO explains that a health insurance plan that secures your entire family, allows you to include the care for your old parents who are more prone to illnesses, and that of growing children as well. This assures that they get the best medical care, and you don’t have to worry about them not getting the required treatment for an illness. You can also talk to experts to get their opinion on which health care is best and provides all round coverage. Not every health insurance plan will work for you. It is better to know what your current plan covers and how much coverage it offers. If your current health insurance plan doesn’t cover illnesses that run in the family, it may not be enough in a time of need. As medical treatments advance, you may have to get a higher insurance coverage that can afford these treatments. However, you can start with a low plan and opt for a higher plan as you progress.