23/10/2026
Why Should Healthy People Plan for Health Insurance Before Getting Sick?
I used to think the same thing:
“I’m still healthy, why rush into health insurance?”
But health insurance is very different from other products in one aspect:
We don’t always wait until we “need” it to buy.
When applying, insurance companies consider our age, health, and medical history.
While we are still healthy,
we may have more options for planning.
However, if we develop an illness or a pre-existing medical condition, later insurance coverage may have different terms and conditions. For example, there may be exclusions, additional conditions, or other assessment criteria based on each company's guidelines.
Therefore, I believe
health insurance isn’t just for “sick people,”
but for those who have the opportunity to plan and prepare for risks before they actually need it.
It’s like car insurance 🚗
We don’t wait for an accident to happen before getting insurance.
And we don’t get car insurance because we want to get into an accident.
We get it because we know that
if an accident happens, the expenses might be more than we want to bear alone.
Our health is the same ❤️
So, if you are healthy today,
there’s no need to rush into buying anything immediately.
But let's start with three things:
Check your existing benefits → Look at your savings → Understand which expenses you'll have to cover yourself if you get sick.
Then decide which type of coverage suits your life.
Because sometimes,
the best day to start planning for your health might be the day you feel it's "not necessary" yet.
Do you already have health insurance?
❤️ Yes
🤔 Yes, but I don't know what it covers.
🏥 Only company benefits.
