Getting insured is not a luxury reserved just for the affluent. It is a necessity that will prepare you to face and overcome the unexpected in the future. Every member of your household needs it—from you and your spouse to your children.
You may look at it as an unnecessary expense because no one suffers from chronic illnesses or get sick that often in your house. Good for you if you are generally healthy, but what if one suddenly becomes gravely ill, do you have the money to personally cover the steep hospital bills?
The truth is, buying the right family health insurance plan do you more good than harm. You’re running many risks for not having one, each with a profound effect on you, your family and even society.
To Your Health
A study once revealed that uninsured people have a greater chance of dying due to health problems than those who have coverage. It’s because you are likely not to get the necessary care and treatment for your condition. This is especially true if your medical expenses catch you at the wrong time. Buying a plan when you still have money to spare, while you’re still healthy is a sound decision.
To Your Finances
High medical bills are the villain in many bankruptcy stories. Even if you consider yourself wealthy, the costs that come if you get into an accident or get diagnosed with a serious illness can go out of hand without a comprehensive health insurance.
You’re not the only victim of being uninsured. If you deal with health and financial problems, your family is bound to suffer as well, especially if you are their main provider.
You are also hurting the local economy to some extent by not paying the medical bills you owe. The health care facilities that used time and resources to treat you will not recover their expenses without a payment.
Buying a health insurance is a major decision without a doubt. The tricky part is choosing the right plan out of all the policies at your disposal, not on whether to get it or not.