Deciding whether to get therapy in the more conventional way; that being face to face or to get therapy online is quite a difficult decision and it is important that you know all of the facts beforehand so you can decide which is best for you. Here we are going to look at a few things you need to know before you apply for Online Therapy.
Will your insurance cover it?
As online therapy is quite a new thing, there are some insurance providers that do not have this form of therapy in their policies. Sometimes it may not even be down to the provider but down to the state you are in. Either way before you apply for Online Therapy you need to double check that the policy you are looking at will cover it.
Not for a crisis
In this respect, Online Therapy is similar to in-office face to face therapy in that if there is a crisis situation; for example, the client/you are feeling suicidal there is not instant response and therefore you cannot be spoken to immediately which will not help your situation. The best thing to do if this is the case is to contact a suicide helpline which would be available 24/7.
That physical connection and signal reading
There is something to be said about a physical connection you may make between yourself and your therapist. Although a therapist’s job is to not get emotionally involved with your situation, they are still human and have that human touch. They are able to comment or say things based on your body language and tone of voice that in text or over the phone may not be easy to read.
What about privacy?
One of the things that worries people the most about the use of the internet is how well your personal and private information and files are going to be kept. Whether it be for the use of online banking, or just storing stuff for work it is definitely crucial to know that your information is being kept safe, and for online therapy this thought process is no different. First things first, like face to face counselling the online psychotherapist is still required to keep what is said between the two of you confidential. The addition of the internet however and the transmission of data online does mean that although on both sides doctor and patient the information is being kept confidential, there still stands the possibility that the devices being used could be hacked. Having said that the likelihood of this happening is quite slim.
Not for those with serious psychiatric issues
There are many psychiatric illnesses that cannot be treated via the internet. This point touches on some of the other points made previously. There are some mental illnesses that need that level of personal communication, they require the therapist to read your body language to determine what the best way to go forward with treatment is. You really need to consider or get advice from your doctor as to whether they believe e-therapy is something that is good for you because if it is a serious illness that you or your loved one has then it is best for them to be treated face to face.
When it comes to insurance and its growth in Tanzania, the market is moving at snail’s pace. The major reason for the slow growth is the lack of accurate research and studies for ascertaining market trends. These market trends are needed for designing new insurance products for customers and stakeholders.
Mohamed Jaffer, President of Tanzania Insurance Brokers Association, says Tanzania carried out actuarial studies in 2013. There has been no study or research after that. This makes the data outdated and not relevant to the present market. These studies are mandatory insurance surveys conducted for the prediction of market trends. The research gives an insight into the possible occurrence of risks like accidents, the prediction of insurance growth and mortality rates in business.
Mr. Jaffer further states that the Tanzania Insurance Brokers Association has entered into an agreement with the internationally esteemed audit firm KPMG to train experts and carry out these studies for the insurance sector. He says that the University of Dar es Salaam conducts training experts in the above field. However, it lacks the capacity to incorporate the professional practices followed by companies specialised in the arena.
Getting insurance in Tanzania
Getting insurance in Tanzania depends upon the income of the applicant. Accessibility is also a vital factor. People in the urban areas have better access to medical insurance, both public and private. When it comes to healthcare, the insurance market in Tanzania is new and so it is still in its growing phase.
Efforts are on to expand the insurance coverage in Tanzania. However, these insurance schemes are intensely fragmented. Tanzania has 4 public insurance schemes namely, The National Social Security Fund or the NSSF, The Social Health Insurance Benefit or the SHIB, The Tiba Kwa Kadi or TIKA and the National Health Insurance Fund or NHIF. Recent survey and statistics reveal there are 7 private firms under the Tanzania Insurance Regulatory Authority or TIRA. They provide customers health insurance. Some insurance firms combine life insurance and health insurance.
Reality in Tanzania today...
In the recent decade, it has been seen that Tanzania has developed positively in many sectors. The economy is growing stronger. It is one of the strongest economies in Africa today. Unfortunately, this economic growth has not done much to reduce poverty. The primary reason being that people of the region are not aware or educated on the areas where this growth is significant like the mining sector. Till date, the major occupation of the people here is agriculture. This sector faces manufacturing and processing issues. It does not reduce the poverty of the nation and poses financial challenges on the people. Most of the adult population in Tanzania do not have access to financial services in the form of credit or insurance. There are a few families that are clients of banks. This trend triggers insecurity and the inability to plan for long-term wealth management and savings. The nation needs more awareness and education for spreading the word of insurance and access to banking services desperately.