Why is it important to have medical or medical insurance? There is, of course, the misconception that health insurance is only for the elderly and the elderly. Many young people and even some middle-aged people are so misguided that, since they are still healthy and without any illness, they do not need such a protective blanket provided by a health insurance policy. Their argument is that promotions are high and that they do not receive anything in return if they do not use the policy.
Perhaps these people are ignorant or did not hear or did not read about young and healthy people who, without warning, warned about their health or succumbed to cancer. This is not surprising, given the hectic lifestyle and the regular consumption of junk food in this fast world in which we live. In addition, unforeseen accidents, minor or major, can occur at any time. An arm or leg violation can occur at any time while playing basketball or football. In the tropics, many young and young people become victims of dengue fever due to mosquito bites. Given the rising cost of medical care, hospitalization, surgery, and medicine, visiting hospitals for treatment can really bring back your hard-earned benefits if you are not covered by a health insurance plan.
A knowledgeable financial planner will advise that a financial plan that will include managing your investment risks will not be complete without a comprehensive health and medical insurance policy with critical disease coverage and hospitalization and surgical (H & S) coverage. In fact, a financial investment plan can be thwarted if a person must suffer a tragedy associated with any life-threatening illness, such as cancer, diabetes, etc., forcing a person to lose work and income before the material goal of his investment the plan materializes. The cost of treatment, which may be exorbitant of the cost of the hospital and the necessary operations, will force you to use emergency funds, and in the worst case, you may be required to abandon the investment program before it matures, if you have not previously acquired a medical policy. It should be understood that the cost of inpatient treatment these days includes not only surgical treatment and treatment, but often diagnostic tests that include sophisticated equipment, physiotherapy, etc., therefore, the growing exorbitant cost of treatment.
One of the reasons why many people do not buy health and medical insurance is because their employers have already provided health insurance. They may not know that as soon as they leave their company, coverage will cease. Here they can be trapped, if they are stopped during an economic downturn. The premiums for this type of policy are lower if you buy coverage at a younger age and when you are still in medical form. Those who insure themselves when they are older and are not suitable for medicine may pay higher premiums or be subject to certain exceptions. Older people and those who have some kind of illness will find themselves in a very dangerous position if they stop work and do not have health insurance.
Thus, the availability of medical and health insurance is important as a protective blanket, which you need to buy, but hope never to use. A health plan will give you the necessary confidence that you have savings when the need arises.
