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Why Do You Need Health Insurance

Health care can be expensive​

Most people cannot afford to pay the high cost of health care on their own. That’s where health insurance comes in. You pay a premium each month, and your insurer pays for a portion of the covered medical costs. The insurer may be able to negotiate better rates from the doctors and hospitals. So instead of paying hundreds of dollars in out-of-pocket costs for a doctor visit, or thousands for a surgery, you pay a lesser amount depending on your plan.

Health insurance can help you stay healthy

Many people think of health insurance as something you use when you’re sick, but it’s much more than that. You can take advantage of the preventive services your plan offers. By visiting your doctor regularly for check-ups and getting your recommended screenings, you’re more likely to prevent more serious conditions later on. Plus, many health plans offer wellness programs and discounts on health products and services.

Choosing the right health insurance options requires the skill and experience of an insurance expert to ensure that you and your loved ones are fully protected. Dion Jayakoddy Retirement & Insurance offers a full range of affordable health plans and works closely with individuals and families to find the most suitable coverage.

Benefits of having a Health Insurance Policy

Cashless Treatment: If you are insured, you can get cashless treatments as your insurance company would work in collaboration with various hospital networks.

Pre and post hospitalization cost coverage: Insurance policy also covers pre and post hospitalization charges up to the period of 60 days, depending on the insurance plans purchased.

Transportation Charges: Insurance policy also covers the amount paid to ambulance towards the transportation of insured.

No Claim Bonus (NCB): This is the bonus element which is paid to the insured if the insured does not file a claim for any treatment in the previous year.

Medical Checkup: Insurance policy also provide options for health checkups. Free health checkup is also provided by some insurers based on your previous NCBs.

Room Rent: Insurance policy also covers room expenses depending on the premium being paid by the insured.  

Tax Benefit: Premium paid on Health insurance is tax deductible under section 80D of the Income Tax Act.

Affordable Health Insurance Plans Designed Just For You

Ideally, your health coverage should reflect the changed at each life stage. Dion Jayakoddy Retirement & Insurance offers a range of health plans that can be tailored to your individual situation.

Choose from:

Individual medical coverage designed for those who do not have any health insurance with their employer in San Joaquin County.


Supplemental health insurance provides you with a fixed benefit amount for unexpected expenses in addition to the primary health coverage you already have.

Medicare supplemental insurance gives seniors extra coverage to help with medical expenses that are not covered by Medicare


Primary medical insurance coverage is designed for people who don't have this type of coverage through their employment or another group.

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