Why health insurance is good when you are young
Author: Health InsuranceOne of the toughest tasks in the world of people persuading is convincing a fit, young and healthy person that they need health insurance. "Why? Just look at me." And there it is in a nutshell. The glowing health and vitality of the young man or woman in question is the perfect recipe for a long life without the need for medical care, certainly in the foreseeable future.
Ah, but there's the rub. What does the future hold? You see nobody knows what's around the corner. And being young, many people take advantage of their social situation. They play sports, they travel, and they spend their spare time doing adventurous things.
Sadly news services report regularly on people being hurt in the course of having a good time. They fall on a hike, they crash off their bike or they get injured playing sport. Sometimes the resultant injury can be painful, long term and scary when it comes to the hip pocket. Health insurance makes a whole lot of sense to someone in that unfortunate situation.
Medical costs are not cheap
If anyone requires medical care because of a serious illness or injury, costs can be steep. Rehabilitation may take weeks or even months. What happens to your studies or employment during this time? Having a health insurance policy to cover such unexpected emergencies is [a] a great relief when you head out to play and [b] an even bigger relief if you strike trouble and the bills start arriving.
Being young has its benefits
When it comes to insurance, your age is often a direct factor in determining your premium. Insurers base their business on risk. Generally speaking, a fit and healthy young person is a far better risk that an older and ailing customer.
This means that health cover for the young is almost always cheaper than for the elderly. Young people can get the cover they need but at a fraction of the cost which applies to seniors. The sensible and positive benefits for health cover with young people just keep growing.
It's easy to obtain and relatively speaking, it's cheap. You won't be young forever. Get it while you can at that price. Young people are so often IT savvy and the world of insurance has embraced the digital age. You may think you're invincible but history says otherwise.
Go online and see what's available as regards health cover. And as you move through your 20s and into your 30s, marriage and the responsibility of children may be happening or likely to do so. This makes it all the more reasonable why as a young person you need to seriously consider your health and that of your loved ones.
By starting your health cover at a young age, you get into the habit of caring for yourself. You start at a low premium so affordability is fine. You can easily spread your cover to include family members should they come along. Think about tomorrow.
About the Author
Take the time to shop around and find the best health cover for you, your family and your lifestyle. There are many options to choose from, hence the need to compare as many providers as you can.
