It’s something you hear about often, drifting in and out of conversations, and you probably know you should take an interest, but as usual you turn the other way and talk about something else. After all, who really needs health insurance? Maybe you think you don’t need it and everything is fine. Possibly you feel it’s an expense you would rather not make, but can you really afford to do without health insurance?
The reality is that health insurance is there for a time when something goes wrong. You are more than likely to insure your house or car, so why not insure your most important possession – your own health? It’s a risky business to go about your daily routine without being insured. Here are some reasons why you really should consider health insurance.
The uncertainties of life
Everyone goes through ups and downs in life, and it makes sense to be prepared for any eventuality. We can suffer misfortune any time, and although you may feel bullet-proof when young and healthy, disaster could be lurking around the corner. If an unforeseen occurrence leaves you bedridden for a time due to an accident or health issue, you will really appreciate someone covering the costs. Health insurance offers great peace of mind in knowing you are not going through life unprepared.
The financial safety net
You may have savings and reasonable earning power providing a cushion in case of emergency. On the other hand, hospital and surgery bills can chew up money almost as fast as it is printed, and the nest egg you have been building could certainly go toward something more interesting than a vacation in a sterile hospital ward. It costs thousands of dollars per day to stay in a hospital, and the price tag on a broken leg is around $7,000. Health insurance will offset these costs, and protect you from suffering the shock of receiving an enormous bill when you discover just how much these unforeseen circumstances can cost.
The reality is, if you are not covered by health insurance, you probably don’t understand or appreciate the value of your own good health. An interest in health insurance will also stimulate a desire to look after yourself, possibly with a new exercise program or better diet. Smart people are interested in healthy living options. We all know someone who took a turn for the worse health-wise, but somehow we never think in can happen to us. It’s one thing to be proud of your health, but another to be reckless with it.
Health insurance is not governed by age, present health status, or work. Illness or injury can strike anyone when they least expect it. Healthy living involves a two-pronged defence. On one hand, you can take all sensible measures to maintain good health, and on the other hand health insurance will guarantee you are covered if and when the unexpected happens. Put your mind and body at ease by looking into health insurance options that suit your lifestyle.
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