Dar es Salaam, March 11 -- HEALTH insurance is no longer a luxury – it is a necessity. With the rising cost of medical care, having the right coverage ensures access to essential healthcare services without financial strain.

Unfortunately, many people only discover gaps in their coverage when faced with an unexpected hospital bill. Understanding your health insurance plan in detail is crucial in avoiding surprises and ensuring you are adequately protected.

Not all health insurance plans are the same. Some policies cover hospital stays but exclude outpatient consultations, specialist visits, or preventive care. Others may include maternity care, chronic disease management, or mental health support. Knowing what your plan covers hel...