Health Insurance for Uber Drivers - Affordable Health Plans

Uber is a transportation sensation that has caught on nicely during the last few years, and as it blossomed from a simple idea to a full-blown company. Thanks to the advent of smartphones and mobile apps, ridesharing has grown significantly and is being used as a great alternative to the more expensive taxi cab services. In addition to that, it is very useful for individuals who live in remote areas. It is no surprise that drivers were eventually offered insurance.

As an Uber employee, you are entitled to medical care which has been facilitated through MyHealth – a service that will help you to find the best health insurance plan whether you are applying for yourself or are working to support an entire family. MyHealth is able to provide comprehensive, private primary health care and will ensure that you are taken care of for the duration of your tenure as an Uber driver.

A Potentially Catastrophic Profession

There are a lot of positive things that have come from Uber. For example, individuals who need to make a little bit of extra money on the side have certainly benefitted from it, as well as those who were unable to secure any other type of employment. While the benefit of this job is obviously substantial there is the concern stemming from the fact that most people in this profession are going to face significant dangers on any given day of the week.

What do we mean by this? When you climb into your car and invite strangers in, you do run the risk of personal harm, among other things. In addition to that, you could face danger from traffic, bad weather and road conditions – risks that you would not be taking if you were not in this line of work. As you can see, there are a few things that you need to be concerned about, but certainly, nothing that cannot be addressed with a good insurance policy.

General Health Problems

HealthInsuranceforUberDriversDangerous situations are not the only issue that Uber drivers face. Just as with anyone in any other profession there are going to be general health issues such as illness, injury, and even accidents.

Health issues can extend from the individual, all the way to their family and just as in any other job, an incident can be financially catastrophic. That being said, it becomes very important for you, as the driver, to carry adequate coverage.

Uber’s Insurance Policy

Uber has teamed up with MyHeath to help employees find the right healthcare, and all the employee needs to do is fill out the MyHealth Registration Form. So, what does it cover exactly? What can you expect from Uber’s insurance plan?

Current coverage for Uber drivers from MyHealth includes:

General Medical Costs 100% Covered:

  • Nominated GP
  • Non-Nominated GP (Pre-authorization required, 2 visits annually)
  • ORC Medication
  • Acute Medication
  • Chronic Medication
  • HIV Program (Medicine supplements, antibiotics, pathology)
  • Radiology
  • Maternity (2 Ultrasounds per Pregnancy)
  • Pathology
  • Road Cover (End to End Legal Assistance)
  • Work Cover (End to End Assistance for Compensation for Occupational Injuries and Diseases)
  • Wellness Days (Checkups and screenings for HIV, chronic and disease and psychosocial wellness)

Employee Assistance Program

Apart from medical assistance, there are several other, very important services that need to be provided to employees. These will include the following for Uber Drivers:

  • Face to Face Counseling
  • Stress Debriefing for Critical Incidents
  • Financial Information/Support
  • Legal Information
  • Medical/Health Advice
  • Manager Coaching and Support
  • Health Awareness Campaigns
  • Comprehensive Health Portal
  • EAP Services

Trauma Cover

Uber’s insurance covers a wide range of trauma services which are those needed in the case of the catastrophic events that we mentioned above. The services offered for trauma will include:

  • Ambulance Cover (365 Days per Year)
  • Private Hospital Stabilization

Rideshare Insurance Coverage

Health-Insurance-for-Uber-DriversRideshare insurance is now offered by many different companies, all of which have their own take on the coverage. Take American Family as an example for a moment. They offer rideshare coverage, but it only covers you at certain points. When you turn your ridesharing app on and are matched with a passenger, you get the same coverage that you have with the personal auto policy that you carry. This coverage will include:

  • Bodily Injury
  • Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Medical Expense
  • Personal Injury Protection

Coverage for ridesharing will only last as long as you are logged into the app and matched with a rider. If, for example, your car is involved in a collision that damages someone else’s property, the coverage will kick in and it will help to cover the expenses.

Policy Gaps

There is a bit of a gap in coverage as you already know. Rideshare insurance from many companies, however, offers an add-on that is designed to give you more peace of mind and can ensure that you’re covered in nearly any situation.

Getting More Information

Driving for a rideshare service can be very beneficial to you, as you already know, and it will give you a chance to have gainful employment while remaining safe under the umbrella of an outstanding insurance policy. It is, however, important for you to find out just what Uber offers to you specifically while investigating the ridesharing policies offered by various companies like American family. There’s a lot of information out there, and keeping yourself safe should be at the top of your priority list whether you prevent a catastrophe on the road or watching out for your general health.

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