Health is a long term investment ante and investing in it earlier can bring you manifold gains. In your 20s and early 30s health insurance can be a confusing and vague concept. Today’s tumultuous fast paced lives have made health insurance a de facto need. Your 20s and 30s give you the opportunity to lay the groundwork for a healthier tomorrow.

Why do I need insurance when I’m perfectly healthy?

We tend to underestimate the underlying costs and risks of health problems in our youth. A lot of young kids today suffer from juvenile diabetes. With changing lifestyles and faster cars we all fall in the risk category for contracting diseases and meeting with accidents at all ages. With a transition into adulthood, it is important to ensure that your health is protected by all means.

What kind of insurance cover should I look for?

With a well functioning digestive system and denser bones you are likely to be healthy and have fewer health complications. However, it is eminent that you invest in a basic health insurance cover. These plans generally tend to have low monthly premiums and can save you from losing all your money in the event of a medical emergency.

Should I look for specific covers?

If you’ve been bad, Santa is unlikely to find out. Similarly, it is only you who can screen your health needs at a glance and choose specific covers. If your Saturday nights are spent downing drinks and enjoying the occasional cigarette, you may want to look for an insurance cover that protects you from specific diseases.

Should I consult a doctor?

Before you invest in a health insurance policy, it is an absolute necessity that you pay a visit to you Primary Care Giver. Your doctor will conduct a complete health assessment and required immunizations. Once you identify the triggers that can cause health issues in the long run, it will become easier for you to choose the perfect cover and health insurance company.

Do I need to upgrade my insurance?

If you have already purchased a plan in your 20s, it is generally a good idea to upgrade it once you cross the 30 mark. At this point higher premiums may not loom over your head, yet the expansive benefits will save money in the long run. Regardless of the plan you purchase, it is a good idea to re-evaluate and make changes every decade.

Like Shakespeare said the youth are like soldiers, adventurous and full of zeal. Don’t let medical costs bog you down. Take that trip, climb that mountain at the same time maintain good health for a lifetime. A plethora of health insurance companies in India provide for age specific cover. Choose wisely and stay healthy.

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