Here’s Why you Need to Start Early with Health Insurance
Many people, especially those in their early adulthood, twenties or even the middle-aged ones, often feel they can skip on buying health insurance as they are healthy. When you are healthy and rarely see a doctor, it may seem okay to just go and pay for a consultation or get a treatment done as and when required, instead of worrying about the insurance premiums and the hassles of co-payments etc. However, having Health Insurance
is a basic necessity for everyone, including the youth.
Recent changes in the country’s health-care laws have increased affordability and access to health care for the most vulnerable children and youth of our country.
To cut to the chase, here are the major reasons as to why it’s important for the youth to have a health insurance cover:
Health Insurance is not a Luxury
It is imperative to understand that Health Insurance is not a luxury; it is a necessity for all. As mentioned before, those in their twenties tend to be careless and choose to go without insurance because they think they are safe and relatively healthy. Furthermore, choosing a low cost insurance without actually knowing what and how much it covers is not at all ideal. You must take the time out to find the amount of money you can spend from your budget to cover your healthcare costs, and then choose the insurance cover wisely.
Medical Mergencies can Come Anytime
Medical emergencies tend to come uninformed, and are often very expensive to treat. If a medical emergency arises without you having Health Insurance in hand, it can hugely strain your finances. While aminor accident which can cost you thousands, those costs can rise up to a much higher amount in case of surgeries or other major treatments as a result of an unavoidable situation.
With Health Insurance, you can get the right care on time
Sometimes, minor ailments can turn into bigger health issues if not treated in time, and can become rather severe. When you don’t have health insurance, you tend to avoid getting treated for the little things, which may potentially escalate into something worse, if not attended to. Further, if you have health insurance, early diagnosis of serious medical conditions may not be as scary as you will have the finances at hand to tend to hospital bills.
Lower Premiums, Coverage of Pre-Existing Conditions
When health insurance is purchased at an early age, the premiums are lower, and pre -existing diseases are also covered, which usually happens after 48 months.
Since you now have the reasons as to why you should buy health insurance early in life, you can purchase Health Insurance online to get started on it. Nowadays, the coverage details of a particular insurance policy are clearly defined. On an ending note, when it is about buying Health Insurance, make sure that it is about ‘when’ rather than ‘if’, and that ‘when’ should be as soon as you can.
**To understand exactly about the policy coverage, exclusions etc read the Policy Wordings carefully.**