If you are young, healthy and hearty, then buying a health insurance can prove to be really easy for your pockets. You get a lot of benefits including a long coverage period, low premiums, a higher sum assured and much more. Generally, an individual's age and health condition are the deciding factors for the calculation of health insurance premium. "The younger and healthier the applicant, the lower is the premium amount." Surely, there are numerous reasons which prove that buying a health insurance plan at a younger age is a smart decision.
Here are some obvious reasons that can push you to buy a health insurance policy-
The premium of a health insurance plan is much lower when you are young. Let's understand this with an example- At the age of 25, you can have a cover of Rs. 3 lacs at a premium of just Rs. 5,546. As time passes by, our immune system weakens, and we might need a cover of a greater sum insured. If you buy a cover of Rs. 9 lacs at the age of 50, then the premium amount gets almost tripled i.e. Rs. 14,856. Hence it is advised to buy a health insurance policy at a young age.
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