Not because you are sick. Understanding this one truth can protect everything your family has built.
Pre-existing diseases accumulate. Waiting periods begin only after purchase.
The cheapest plan often has the biggest gaps. Coverage matters more than cost.
Parent hospitalisation is the most common reason families drain savings.
Discovering exclusions during hospitalisation is a painful lesson.
It is protection. Like a seatbelt — you hope you never need it, but it must be there.
Every year you wait: premiums increase with age, more pre-existing conditions develop, waiting periods start later, and your savings are at greater risk.