The costs of medical health care are increasing all the time

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IELTS Essay Question: Health Insurance

The costs of medical health care are increasing all the time. Governments are finding it difficult to balance the health care budget.

Should citizens be totally responsible for their own health costs and take out private health insurance, or is it better to have a comprehensive health care system which provides free health services for all? Discuss your viewpoint on this issue

Give reasons for your answer and include any relevant examples from your own knowledge or experience.


The COVID-19 outbreak has made people realised that medical emergencies are likely to occur anytime. The current situation raises questions about the capability of  governments in handling medical exigency during national crisis. This paper will focus on the opposing views whether to let people secure an individual health insurance or improve the coverage of public health care programs to cover the entire population.

The pandemic that shocked the world last year has sent many workers home without a job. Becoming jobless means they are also losing their access to employer sponsored health coverage. One way for employees to remain feel secure during this turbulent times is by purchasing private health insurance. There are several potential benefits of having health insurance and one of these is hospitalization. During difficulty, patient can seek treatment from the closest hospital during emergency. They can proceed to hospitals without worrying about upfront hospitalization payment. In addition, health policy can cover some essential health-care needs such as check-ups, preventive care and vaccines. Thus, securing an individual medical insurance can be advantageous to someone’s health and well-being.

At some point, every individuals need medical care and in countries with superior health insurance system covers these costs. Having an insurance means their citizens do not have to shell out cash for most health care services. However, these health services are paid in the form of taxes. From the patient’s perspective this might be beneficial especially if the patient is suffering from critical illness that involves huge amount of money such as mesothelioma cancer. Another drawbacks of government health care system is treatment quality. Patients may experience poor services or even have to wait months for an appointment. Hence, implementing a comprehensive health care system might sound difficult undertaking. 

In conclusion,  private health plans allow policy holders to take personal responsibility of their health and well-being. While the government sponsored security health blanket for all make all people to pay additional taxes including those healthy individuals. In my view, everyone should be responsible for their own health and governments must initiate in promoting healthy lifestyle to its citizens.

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3 replies »

  1. “prevention always better than cure…” yes its true.. however our current lifestyle we are always surrounded of UNHEALTHY options… having said that I totally agree that the government MUST push programs to encourage people to follow the path of a healthy lifestyle…

    great article… looking forward for more…

  2. As far as I knew from Filipinos living in progressive countries, the company they are working with is automatically deducting from their salaries while still employed, a certain amount allocated for their health insurances and they will be entitled to such insurance health coverage until death. When you apply this in our country, people will surely protest because we want a free health coverage but don’t wanna pay while employed 🤣🤣

    • You’re right! Developed economies has an established health care system that covered most if not all of their citizens. While developing countries still looking for effective schemes to be implemented other countries are now looking at how to improve the existing health care services. So far, most of these initiatives from 3rd world countries cover only a small portion of the population.

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