Newma

Health Insurance is like saving for a rainy day. ☔

Imagine you're saving money in a sunny season, wondering why you're setting aside funds when all is well. Then, unexpectedly, a storm hits, and you're relieved to have that financial cushion to cover sudden expenses without scrambling or going into debt.

I recently spoke with a client who was interested in health insurance, specifically for gastric bypass surgery. He was under the impression that once insured, he could claim for the surgery immediately. When I explained the three-year waiting period before he would be able to use the benefit for surgery, his frustration was evident, and he considered paying for it himself to get the surgery sooner. A quick Google would suggest the cost of the surgery would be around $20,000. It is unlikely that the cost of his insurance would be that much over a 3-year timeframe.

Here's the thing.

If he chose to get insured, not only would she eventually be covered for the surgery, but he would also gain comprehensive cover for other potential health issues during those three years and beyond—issues that could end up costing more than the surgery itself.

Similarly, waiting to get health insurance until a health crisis strikes is like ignoring dark clouds gathering on the horizon. Having that insurance in place is like your rainy day fund—it ensures you're prepared, protecting you financially when the inevitable health issues arise.

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