Can someone be too young to think about insurance?

The other day, I attended the PRUhealth talk with several bloggers. A few of them are below 25 years of age. Surprisingly, many of them never really think about insurance. Well, normally we associate insurance with death or sickness or loss of limbs. So, naturally, one doesn’t like to think about morbid stuffs like these, isn’t it?

So, I had a chat with Tan whom I refer as ‘the insurance salesman’. He told me, “Hey!!!! We are now consultants, not salesmen!” Anyway, Tan is about my age so I find better company talking to him.

I told him as far as I am concerned, it is insurance salesman. Two decades back. It is because my hubby was an insurance salesman, peddling life insurance to me when I was just 21 years old.

Tan gave up trying to change my perception of insurance salesman because I am married to one. I told him I bought my life insurance since I was 21 years old. I could only afford RM10K life insurance then.

Since then, I have never increased the amount because I feel that my hubby’s coverage is enough for the family.

Then, we talked about health insurance. Tan told me about one of his colleague who was stung by some insect or something and the chap had a long hospitalization in China. After recovery, the guy was still unable to work.

You know lah, insurance salesman sure got plenty of stories to scare you. However, those are real things that can happen to just anyone. I have seen a young, healthy man who suddenly become paralysed after a growth was found in his spine. Then, there is another young mother who became unable to walk because of growth near her hip bone.

We always take our health and our mobility for granted. We never like to hear of such stories. But whether we want to hear or not, these are things that happen to others. During my short volunteer work, I have seen enough to convince me that we are not angels who live forever.

So, if you ask me, I will tell you very frankly that you are never too young to think about insurance. You may not want to hear about life insurance but always be prepared with a health insurance. Sometimes, these young people who suddenly need medical treatment will burden their aged parents with huge medical bills. I have seen the agonies of patients who not only have to worry about their health, they also have to worry about the financial part.

Check out PRUhealth plan because they have something like our car ncb whereby you will earn bonus each year if you stay healthy and do not make a medical claim. So, treat that as a savings instead of looking at the morbid part of illness and death.

If you buy a PRUhealth plan early, you pay less. For me, the policy I bought when I was 21 years old has very low premium. If you have any questions, drop it in the comment please. I can ask Tan to help me answer them. No worries, he won’t be knocking on your door to sell you insurance like my hubby did. The insurance men of this age do not go knocking on people’s door anymore.