Investing in insurance is the best investment you can make. Especially when it comes to your health. Unfortunately, health insurance in Pakistan is the most ignored type of insurance. People often ignore and don’t deem it necessary unless they have a hefty bill in their hands to pay. And unfortunately, health insurance does not work that way either. 

Today we will shed some light on the importance of health insurance and look at when is the appropriate time to avail of it so that it provides maximum benefits in the moment of need.

Let’s look at the 5 reasons why you should have personal health insurance

Healthcare Is Expensive

Saying that healthcare is expensive is an understatement. Your hormones and chemicals don’t only get affected by bad events they get affected by good circumstances too. Stress in both forms can be dangerous whether you are constantly delighted or depressed. Hence, you never know when it takes a toll on your health and cost you thousands if not millions. 

So it is always advised to get insured and have a backup plan that will help you pay off your bills without setting you back for several months. 

It Helps You Save More

If you spend around 10,000 PKR on your insurance it will help you save more than 50,000 to 60,000 per year even for short ER visits. This will reduce the stress significantly helping you destress and lose some of the disorders caused by stress. It will also help you combat medical inflation as healthcare is getting more and more expensive with each passing day.

Insure Early For Maximum Benefits

It is always better to get insured as early in your life as possible. Most insurance policies do not cover pre-existing conditions. These include former heart disease history or any disorders of such kind that are diagnosed before purchasing health insurance. Even pregnancy! If you buy health insurance after conceiving it will not help you in covering since you have to buy it before conceiving. 

Life-Threatening Diseases Are Becoming Common

With our lifestyles getting increasingly hectic, the diseases that threaten life are becoming more and more common too. With these diseases comes endless debt, so it is better to have none and get insured and let your insurer cover for you. 

It Is More Important Than We Think

As mentioned above, we ignore it till we need it. So get your hands on health insurance as early on in life as you can. It will be more beneficial to you than the one you will get later in life because most of your developed conditions by old age will not be covered by your insurer as they will count as pre-existing conditions. 

Here are some tips and reasons why you must have health insurance. 

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