July 23, 2021

You're Never Too Young for Health Insurance - Here are 4 Reasons Why


When it comes to your health, it’s always better to start sooner than later. 

When you’re in your twenties, life can certainly feel like it’s all about working hard and playing harder. Whether you are fresh blood in a round-the-clock industry like healthcare or hospitality, or work in a 9AM-6PM corporate job, your salary can feel like your ticket to living a fun and carefree life. However, with this kind of jetsetter lifestyle come a lot of expenses. Even for a single, young professional, the price of high-end restaurants, resorts, and travels will definitely leave a dent. 

But as you get older, it also becomes more important to start preparing for expenses further down the line. While this kind of fun lifestyle is great to experience while you can still enjoy it, it is also advisable to set aside money for things like your own place, a car, and more importantly, your health. Here are three reasons why you should invest in your health insurance as early as your 20s.

Lowered Premiums 
Applying for health insurance at a younger age translates to a lower price tag compared to applying later on into your life. Applying for a health insurance at an older age also comes with a heftier price tag because of the increased vulnerability to serious diseases to lay claim to. Enjoy broader coverage at an early age for a fraction of the cost.

Variety of Choices 
If you apply for a health insurance in your twenties, you will have a broader selection of policies available to choose from. Once you hit your later years, the policies and providers available for your selection will definitely narrow down, not only because of their coverage but also their price. Choosing to invest in a health insurance early guarantees a wider AND more comprehensive selection from different providers to suit your needs and budget.

Financial Freedom 
Investing in a health insurance also gives you confidence of knowing that in the event of any medical emergencies, your bases are covered which leaves you with some breathing room for your savings. You can continue to pursue your jetsetter lifestyle with confidence, knowing that your wise decision to avail of a health insurance can potentially save your savings from a big blow.

Early Detection 
Health insurance typically covers diseases that are usually discovered or diagnosed at around your thirties. Catch any serious illnesses and conditions early before they worsen, and complications arise with age to start treatment as soon as possible. Not only does an early investment in health insurance make this process more affordable because these will not be pre-existing conditions—this also ups your chances of treating the condition and beating it before it leaves any lasting damage.

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