Hospitalized for appendicitis... The 'money talk' a client was first anxious about after discharge 😱
“I’m relieved to be discharged 😊
…So, I can claim insurance for this, right?”
The other day, I received this message 📱
from a client in their 30s
who was hospitalized for appendicitis.
The surgery went well, and
the first thing they were concerned about
was, naturally, the “money” side of things 💦
But actually, this
happens quite often 👀
When you are hospitalized,
you worry about your health, of course, but
after discharge, realistic
anxieties come rushing in all at once 🏥
・How much is the hospital bill?
・What about the time I took off work?
・Can I use my insurance?
・Is filing a claim a hassle?
Especially for the child-rearing generation,
it’s not just about yourself,
so the anxiety is significant, isn't it? 😭
This client
had a 4-day, 3-night hospital stay ✨
They were told, “You can be discharged soon if it’s just appendicitis,”
but
in reality, there was surgery,
IV drips,
and it seems it was tougher than they expected 💦
And what adds up quietly are
the small expenses during hospitalization 👛
・Meal costs
・Pajama rental
・Parking fees
・Family meal costs
・Difference in room charges
Thinking, “Maybe it’s just a few thousand yen?”
they found that
in the end,
it was more than they imagined 😳
That’s why, right after discharge,
they checked,
asking, “Does my medical insurance cover this?” 📩
To conclude,
for this client,
✔ Hospitalization benefits
✔ Surgery benefits
Both were covered 😊
Moreover, with recent medical insurance,
even common illnesses like appendicitis
are often fully covered. ✨
The client also,
“I’m so glad I signed up...”
was quite relieved. 🌸
This is something I always think about myself,
medical insurance isn't
“something that makes you rich enough to change your life.”
🙌
However,
“reducing anxiety about sudden expenses”
is truly significant. 😊
Especially for the child-rearing generation,
with children's extracurricular activities and
mortgage payments,
a sudden hospital bill
can be quite alarming. 💦
That is precisely why,
“Is it in a state where it can be properly used
if something happens?”
This is what is important. ✨
In fact, even if you are enrolled,
・Don't know how to file a claim
・Where is the policy?
・Haven't registered for the app
・Haven't contacted the representative
There are quite a few cases like this. 😳
Even if you have gone to the trouble of signing up,
if you can't file a claim,
it's meaningless. 😭
By the way, recently
there are many companies where you can complete everything on your smartphone,
There are cases where you can file a claim
without a medical certificate 📱
It's much easier than it used to be ✨
That's why I always
prioritize explaining
how to use it
over how to sign up 😊
Insurance gives you peace of mind
the moment you sign up, but
what you really need is
for when 'the time comes' 🌸
My client this time,
was very relieved
when we proceeded with the benefit claim after discharge 😊
And finally,
they said this.
“Honestly, I didn't think much about it
when I was healthy 😂”
That really is the case 💦
Illness and hospitalization
happen suddenly.
That is exactly why,
it is important to check it now
while you are still healthy ✨
✔ Current coverage details
✔ Daily hospitalization benefit
✔ Surgery benefits
✔ Claim procedure
Just by quickly reviewing
these points,
your peace of mind will change significantly 😊
If you haven't looked at your
insurance policy recently,
please take a moment to check it 🌸
Checking while 'nothing is wrong'
leads to future peace of mind ✨