Health is wealth—but unexpected medical expenses can drain your savings faster than you realize. With rising healthcare costs, having a comprehensive health insurance policy is no longer optional—it’s essential.
Yet many people delay purchasing health insurance, assuming they can buy it later when they “really need it.”
The truth is, the earlier you invest in health insurance, the more money you save in the long run. Here’s why.

1. Lower Premiums When You’re Younger

Health insurance premiums are primarily based on your age and health status.

• When you’re younger and healthier, insurers consider you a low-risk client, which translates into significantly lower premiums.

• For example, a 25-year-old might pay 30–40% less than a 40-year-old for the same coverage.

Buying early locks in these affordable premiums for years, helping you save thousands over the life of the policy.

2. Early Coverage Against Unexpected Illnesses

Life is unpredictable, and health problems can occur at any age.
Investing in a policy early ensures that you are covered before medical issues arise, eliminating the risk of being denied coverage or paying higher premiums due to pre-existing conditions.

3. Shorter Waiting Periods for Pre-Existing Conditions

Most health insurance plans have a waiting period (usually 2–4 years) for pre-existing diseases before full benefits kick in.

• Buying early allows you to complete this waiting period while you are still healthy, so if a health issue arises later, you can claim benefits without delays.

4. Tax Benefits Under Section 80D

Health insurance premiums are eligible for tax deductions under Section 80D of the Income Tax Act.

• Young policyholders can claim these deductions year after year, creating long-term tax savings while staying protected.