One Good reason in deciding to get Medical Insurance.

I've been offering Medical Insurance Thru Pacific Cross (since 2012 Upto Present). Medical Insurance at that time was Jargon to majority of clients or too morbid to even discuss.

Fortunately IFRC Insurance, the Agency, I represent, provided us coverage. Last April 2, 2020. Right after the Pandemic Lock-down. I suffered a Stroke ( hemorrhagic - which affected the left side of my body, leaving it paralyzed). See Photo insert: The left side of my face still show the facial droop caused by the stroke. The Hospital Cost of my 9 day confinement for the duration of my stay in the hospital reached almost 200k. I was not Liquid that time and I don't have that kind of lump sum Cash-on-hand. Luckily, I didn't acquire COVID, Which was an All-time high at that time, Or else my expenses would shoot up!! Good thing, My medical coverage shouldered everything, not a single cent was spent from the time of my Admission till Discharge, including Doctor's fees, Laboratory Tests & Equipment. No need to sell Assets or Borrow from Relatives. At present, I am still undergoing my Physical & Occupational Therapy And Am happy to say That I've regained almost 75% of my body's Functionality.

Realization... Medical insurance is no longer an unknown territory in the Insurance industry. It should be Mandated for every household or better yet a top-priority to have nowadays.

We don't know when an affliction will strike, usually it will not show signs or give you a deadline (pardon the pun).In short, While you are still healthy and productive. Ask around, research and talk to an advisor, Consultation will not cost you big time. Probably, the cost of a cup of Coffee.

My Take: Try to get coverage as early as possible. The value can be small at first, the important thing is that You have the initial coverage, rather than having nothing when you need it most. Upgrade, when you have the chance and the financial means.