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We all live in the world that is full of uncertainty and with risks. All of us like to live as long as we can but no one can fight with the fate. All of us have one desire that what ever time we live in this wonderful world, we live with the best of health, without any health related problems or any handicaps. But we have to take necessary precautions when it comes to health and finances so that you are on the safer side. Since this world is full of uncertainties, we have to be prepared for any untoward event happening.

When I became eighteen years old I received my first medical insurance offer in mail. I never paid any heed to it and threw the mail in a dust bin after all I was only eighteen and I am covered with the same insurance that of my parents. But time flew by and I turned twenty and I was no longer covered by the same insurance policy of that of my parents. I still did not worry about it and thought to myself why would I require an insurance policy, after all I am in my mid twenties and I am a healthy person. But this the where generally all the youths fumble and their inexperience clearly shows. When it comes to about our health, we cannot be too sure about any thing. Anything can happen anytime. Just give it a thought that you are playing your favorite sports and there is a serious injury, who will pay all the hospital expense that will follow the injury? Actually most of us lack the motivation that is required to buy an insurance plan when you are young. We are always in a perception that we don't require a medical insurance plan simply because we are young and healthy. We only believe that the monthly premium of buying any insurance would be like throwing your money out of the window. And if you are also the one who believes the same way then I must say that you are thinking blind. That's because the day you happen to come across any medical emergency like a car accident or need a vaccination or any fracture, you would only wish that you had a medical insurance. This way you are covered if the bills are just out of your reach. Although there are deductibles, it is much easier to handle than today's fat medical bills. Try spending a week in a hospital after trashing your car. It certainly isn't done out of someone's good will. You owe some major bucks that can set you back for many years to come. That is unless you have a proper medical insurance and you are properly covered, your insurance company will take care of all the expenses. The monthly payment is well worth the support if needed.

Medical health insurance is not only for those individuals who are accident prone because of their rash driving or living a life full of dangers, or a person who has a regular health related problems, but it also for those who want to have a peace of mind. We have to face the realties of the life. We cannot risk ourselves for any uncertainty that may happen. It is always nice to have a helping hand that takes care of your medical bills when time comes. And believe me when the time comes, you will definitely thank God that you had an Insurance policy.