Maybe refers to something uncertain, not sure, inconclusive and not definite, where the rules are not constant. For the younger generation the word “maybe” is a lifestyle, this is because most are for the sake of experience and learning whether they like it or not. Girlfriends, classmates, travels, gadgets, food trips, cars, sports, lifestyle and even work can be temporary because the younger generations seek something to fill them and that makes them complete. It’s all about the glory and the achievements, nothing else matters even tomorrow.
But when people get older they are geared towards something constant. Something sure and something consistent. Travelling becomes boring, being alone most of the time becomes lonely, people tend to stay in one place, in one job and marry the love of their life. This is the reason why medical insurance thrived over the years. Because when uncertainty strikes like illness and other things accompanied by it, it’s always reassuring that there is something sure that will cover all that. Kids may not see that value, but adults with responsibilities, priorities, and families do.
Certainty in the uncertain: Sickness it’s always unpredictable, that is why people get sick and sick leave isn’t planned ahead of time. It can be mild to moderate that mostly needs a checkup and home remedy like flu and such, while severe will require hospitalization like complications in a chronic illness, surgery, emergencies and the likes. When these things come, it’s always better to have an insurance to cover all that which leads to the point below.
Hospital bills are expensive: Expensive is even an understatement. Checkups can be cheap, over the counter meds are also light on the pocket, but hospitalization, lab works, surgery, chemo drugs aren’t as forgiving. Medical fees can drain an unprepared person of their finances. It never gives people signs that it will strike and when that time comes you need to protect your finances by getting a medical insurance.
Insurance is also expensive: Insurances themselves aren’t cheap especially medical insurances, but insurances proved time and time again that they are the lesser evil compared to not having an insurance. You pay this xxx amount and they will assure you ten times and even more on the value that you invested. So even if they are expensive, costly, it’s still the better choice. It might not make sense sometimes but do you need to wait for a medical emergency to happen before you realize how important it is to have one?
Medical insurance is costly but it’s also the lesser evil, the wall that will help you preserve your finances even in great medical difficulties. Family insurance is part of medical insurance, where it’s geared towards a plan that is beneficial or ideal for a family set-up. It helps cover the medical uncertainties like emergencies, hospitalization, and emergencies that families dread. If you plan to get a family medical insurance here in Hong Kong, choose the best family medical provider around, choose Cigna.