You should have health (medical) insurance to be benefited by taking advantage of the insurance cover. Most individuals (including myself) think health/medical insurance is costly, if you have to buy it for your own (and not by your employer). But in the long run for most individuals the purchase of health insurance becomes less expensive than not buying health insurance and remaining uninsured. It is simply not wise to remain uninsured these days, due to escalating/skyrocketing of health care costs. If you do not have health insurance, you pay the bills of your sickness from your pocket and I am yet to find a person who does not get sick or who is not going to suffer from illness, so get health insurance for your own benefit and mental peace.

If you are uninsured (no health insurance cover) you pay bills from your pocket. You may be able to pay easily if you have minor illness such as common cold, diarrhea etc. But imagine you are not insured and you suffer a heart attack and you need to undergo heart by-pass surgery. How many of us can pay from our own pocket if you have to undergo complex heart or brain surgeries. I think not many of us and here is the risk of not having health insurance cover.

Do not think superficially, think deep and you will certainly able to see the advantages of having insured yourself for health problems. Initially you may think medical insurance as expensive affair, but ultimately you end up benefited.

If you do not have health insurance cover and you get sick, there is high chance you may delay seeking medical attention, which may result in worsening of your health condition and your ultimate expense goes up very high. So the idea of getting health insurance cover is to simply avoid all the risks involved with not having health insurance for you and your family.

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