There are many people who are of the opinion that health insurance is only for those who are aged and above 50 years. Youngsters in their twenties and in middle age feel that they are healthy, and hence, having good health, have no requirements to go for health policies. What such people fail to understand is that issues regarding health can take place at any point of time and does not come saying. Moreover, with increasing pollution and use of gadgets that emit harmful rays, there are various health related issues that have been rising across the globe among people of all ages. Even children and teenagers are not spared from it.
Being Adequately Prepared to Meet All Eventualities
It is very much important for every individual to be fully prepared to meet all future financial crises that could be raised because of sudden medical expenses. Not being prepared means, the individual may face hassles and even huge trouble. A disease might attack anyone at any time. Hence, getting individual health policy can help the person to be fully protected against speedy increasing hospital bills. Having a comprehensive coverage, the person can have viable source for assisting the family to stand confidently even in bad times.
Reasons as to why one should purchase healthy policy for himself as well as his family
- Purchasing health coverage at an early age helps to save money: It is necessary to remember that the younger the person is, the much lower premium plan he would be required to pay to the insurer. Individual health policies price mainly depends upon insured age. One can view steep jump in premium slab post on crossing age 30. For instance, if the person is of 25 years age, deciding to purchase 5 lakh worth policy, sum insured, he is required to pay just Rs. 5000 per person. But, if the same is done after 35 years of age, the person might be required to pay even more, but with no additional health benefits.
- Lifestyle changes having enhanced illness: These days, like most money-minded people, youngsters who are busy grooming their career may find it to have bad effects on the health. Unbalanced diet, junk food items, too much consumption of beverages such as coffee and tea are major reasons as to why people are much more prone towards catching various types of health related issues like diabetes, heart diseases and cholesterol, etc. Furthermore, stress related hyper-tension is said to hit most corporate people these days, thereby leaving them with very little choice, but to have regular medicines for helping them to overcome the issue that they are facing. By purchasing individual health insurance policy within time, the individual may get opportunities to use annual health check up program. It is likely to assist them to be aware of serious diseases before it becomes worse.
- Purchasing group health insurance would not be sufficient: With medicine expenses increasing at a fast pace, it would be essential to have individual health policy to ensure that there is comprehensive coverage provided.
These are few of the reasons as to why one should avail health insurance policies to take care of their health.
Author’s Bio: The author is has extensive knowledge with regards to the insurance industry. He presently is employed with www.reliancegeneral.co.in.