Four Reasons Why You Need Health Insurance ASAP!
“Access to health insurance has a tremendous payoff” -Randy Dunn
For a long time now, a lot of individuals have constantly rejected the idea of getting themselves insured and consistently put off purchasing a health and accident insurance premium. Their collective sentiment hinges on the fact that they see this as an unnecessary expense given that they are healthy and able. In more ways than one, a health or accident insurance coverage may have the outward appearance of something you do not necessarily need, and in a sense, it is something you acquire which would grant you delayed gratification. However, you should not immediately dismiss the idea of getting yourself insured. After all, while you might always be prepared for anything that may come, you can never be too prepared for everything that is about to come.
You might think you are saving yourself money by not investing in any form of insurance, but this could be detrimental in the long run (considering how health care nowadays are priced at a premium). The fact is, you will never know when a health condition or accident strikes, but rather than wait it out, it is best to be adequately prepared for it lest you put yourself in a financial risk. If this is not enough to convince you, perhaps the reasons below will:
1.) Being uninsured is actually more expensive
You may think that paying health and accident insurance premiums are nothing but a financial nuisance you have to contend with in paying monthly if you do get yourself covered. However, in the long run, these are incredibly beneficial. Just think of how much operations and surgeries cost nowadays. Apart from that, hospital bills are not exactly cheap either. If you accumulated all these expenses, your monthly bills payment will be much larger than the ones you would have paid had it been defrayed by your insurance coverage.
2.) Preventive Care
In a way, getting yourself insured means that you are ready for any healthcare scenarios. Individuals covered with health insurance are more receptive to receiving diagnostic test and annual check-ups that can detect grave medical conditions while they are still in their early stages and are still very much curable. This is because most health insurance policies cover these tests, so as a result, these individuals submit themselves to these tests that would otherwise have cost them a fee without a health insurance coverage.
3.) Being uninsured does not only impact you but everyone as well
Uninsured individuals do not only put themselves at risk of having worse medical conditions in cases wherein diseases are still undetected. They are also affecting their families who will eventually have to shoulder the hospital expenses incurred should their health take a turn for the worse. People who are uninsured would rack up big hospital bills, medicine costs and doctors’ fees—all of which could easily be answered had the individual been covered by a health insurance in the first place. Just think about it, if you leave yourself uninsured, you are putting your family and loved ones in a difficult position of paying off healthcare expenses whenever anything untoward occurs.
The mark of true self-worth is getting yourself insured. You have gotten your homes, your cars, other material things and even your phone insured, but you could not afford to get yourself insured? Truth of the matter is, your life is far greater than these worldly possessions. You can easily get a new house, a new car and a new phone in time, but you only get one life. So, it is best that you take care of it. After all, you would never truly know the value of having yourself covered with life insurance until something untoward happens to you. Do not wait for that moment and get yourself insured today.
John has been a real estate consultant for over five years. Putting Philippine properties for sale up in the market and closing each and every transaction he makes has always been his gift. He’s single and currently living in one of the finest condos in the country. He also love to write content on health and accident insurance.