4 Reasons Why You Should Invest in a Health Insurance as Early as Now

(medicalnewstoday.com)

If you’re thinking of investing in health insurance here in the Philippines, the best time to do it is today. We live in an era where pollution, unhealthy lifestyle, stress, and accidents plague us. Once medical emergencies arise, it’s important that you have a reliable insurance to back you up. If not, you’ll end up with a hole in your pocket and an emotional burden to top it off.


If you’re not yet convinced, here are other factors why it’s okay to spend money on health insurance:

1. Establish better spending habits

Investing a huge amount of money in something as important as health insurance can train you to be more careful with your finances. Since you will be setting aside a portion of your income, this will make you more conscious with where you put your money into.


Make sure that you budget accordingly. The goal is to free yourself from spending a huge amount in case of medical emergencies, and not the other way around. Investing takes preparation. Before taking the leap, make certain that you are financially capable to invest.

2. Prompts peace of mind

It may all seem steep right now but who wouldn’t want to be ready when disaster strikes? Planning for the worst seems a bit pessimistic but trust me, this will give you peace of mind in the future.


Think of it this way: you are paying not only because of cheaper hospital bills or health perks, you’re also paying for your peace of mind that goes with knowing that your future is secured when it comes to health matters.

3. Covers a wide range of services

Aside from covering your hospitalization bills, you can also enjoy these healthcare benefits: out-patient care, in-patient care, emergency care, and preventive care (like vaccines and counseling).


One of the many benefits of health insurance is the option to customize it. In the Philippines, there are a number of HMO companies that offer a customizable health plan. For a young person like you, it’s important to have your health services tailored for your needs and lifestyle.

4. The earlier you avail, the lower the prices are

Depending on your situation, you may be eligible for savings based on your income. If you’re just starting your career and not making much money, you could get a very affordable plan. In a country where young adults are always stressed out because of traffic, floods, and all work-related activities, it’s better that they avail it while they are young. Why? Mostly because you’re healthier—which makes it easier to procure it. When you try to avail while you’re sick, your chances of getting approved is slimmer. Second, most cases involve a lower premium for younger people.



According to Richard Baker, “To get rich, never risk your health. For it is the truth that health is the wealth of wealth.” The Philippines may be filled with resilient workers but they are not invincible. So as early as now, make the healthy decision; avail a health insurance as early as now.