Sunday, September 11, 2011

Universal Life Insurance - Protection For a Rainy Day - Health Insurance Policy

Today we do not have time to exercise and even do not have time to prepare and have healthy food. We just rush to the office without having a proper breakfast and we satisfy our selves with having the breakfast in the odd hours in the office canteen with fast foods like the pizzas and the burgers. This is an every day routine. Eating fast food once a while is just fine but if this is a daily routine then obviously we are going to fall prey into the hands of bad health. We may get diabetes, high blood pressure, depression or even a heart attack. So with the kind of lifestyle we live, health insurance has become a necessity because one never knows when illness may strike. Health insurance can be a source of support by taking care of the financial burden the family has to go through when a member of the family is hospitalized. If we have invested in the health insurance policy then our anxiety and financial problems can be solved to the maximum. Our medical expenses can be covered with the help of the health insurance policy. God forbid if we meet with an accident or even we meet with any prolonged illness then this insurance policy will work like a shield for us.

I had invested in the whole term life insurance policy a few years back and I was satisfied that I need not invest in any other policy. But my father suggested me that I should think and even decide to invest in the health insurance policy too because I may need its help at any age of my life. It is always good to get our selves protected before it is too late. As they say that “A stitch in time saves nine”. It is really true. If we can we should try to save a part of our wealth now and invest for the future because we have never seen what future is going to show us. Actually I never felt the need earlier that I should invest in the health policy, but when I saw my sister’s husband struggling to pay the heavy hospital bills when he was hospitalized a few days back, I realized that it is equally important that along with the whole term life insurance policy I should even think to invest n the health insurance policy. I immediately consulted my life insurance agent and after her advice I decided to buy the health insurance policy too. Then and there I made a resolution that I will try to create awareness among my friends and relatives to have a medical insurance as soon as possible because after getting all the details of the returns of the health insurance policy I felt that this is indeed the right source which can 100% help us during our treatment period or in any other illness. I realized that if we want to be mentally relaxed then we should go in for the health insurance policy and feel the difference.