Hi, guys! This time, I want to tell you something quite personal and hopefully it can be a valuable lesson for all of us. It’s about insurance, something we often take for granted until finally… it happens!
Initially Felt Fine
In the past, I was one of those people who thought, “Ah, insurance is only for sick people. I’m healthy, strong, and still young!” It’s the style of young people, feeling that life will be fine forever. Working hard, forgetting to rest, eating carelessly, as long as the target is achieved. Health issues? Think about it later, my body is still strong.
I remember clearly, at that time I was focused on building a career. Working from morning to night, often even on weekends. The income was decent, I could buy this and that, take vacations once in a while. But yeah, the lifestyle was unhealthy. Often staying up late, eating instant food, rarely exercising. Basically, life was all about work, work, and work.
Until Finally… The “Ticket” to the Hospital Came
Everything changed when one morning, I woke up with excruciating pain in my stomach. At first I thought it was just a common cold, but it got worse and worse. Finally, with a heavy heart, I went to the doctor. And you know what? I was diagnosed with appendicitis and had to have surgery immediately!
Honestly, at that time it felt like being struck by lightning. Appendicitis? Surgery? Hospital fees? My mind was immediately confused. Moreover, I didn’t have any health insurance at all. In the past, every time I was offered insurance, I always refused it with various reasons. “Ah, the premium is expensive,” “It’s complicated to take care of,” or “It’s not important, I’m healthy.” Now, all those reasons felt like boomerangs hitting me.
Panic, Confused, and Starting to Count the “Losses”
At that time, there was only one thing on my mind: where could I get money this quickly for the cost of surgery and hospitalization? I had savings, but the amount was not much and I planned to use it for other needs. Want to borrow from a friend? It would be uncomfortable, especially since the amount was quite large.
Finally, I was forced to “dig into” the savings that had actually been allocated for emergency funds. Not to mention, I had to take leave from work for several weeks to recover. That meant my income had also decreased drastically.
After the surgery and treatment were complete, I started to calculate the total costs that had been incurred. Oh my God, the amount made me weak. Tens of millions of rupiah just disappeared just because I was late in getting insurance. If only I hadn’t underestimated insurance, maybe I wouldn’t have to run around looking for money and draining my savings like this.
An Expensive Lesson I Will Never Forget
From this experience, I learned one important thing: insurance is not just a “magic card” that can guarantee our medical expenses. More than that, insurance is a form of financial protection that is very important to face unexpected risks in life. We never know when illness will come, when disaster will strike. By having insurance, at least we can minimize the financial impact that may occur.
I remember an article I once read, “Buying Insurance Is Better 5 Years Too Soon Than 5 Minutes Too Late”. I used to think this was just a cliché sentence, but now I really feel it. Being late to have insurance really makes you regret it!
Types of Insurance You Need to Know
After that incident, I started to find out more about insurance. It turns out, there are many types of insurance that we can choose according to our needs and abilities. Here are some of them:
- Health Insurance: This is the most basic and important. Health insurance will cover the cost of medical treatment and hospitalization if we are sick or have an accident.
- Life Insurance: Life insurance provides financial protection to our families if we die. The sum assured from life insurance can be used for living expenses, children’s education, or paying off debts.
- Vehicle Insurance: For those of you who have a vehicle, vehicle insurance will protect you from the risk of damage or loss due to accidents or theft.
- Home Insurance: Home insurance will protect your home from the risk of fire, flood, or other natural disasters.
Don’t Regret It Like Me!
For those of you who don’t have insurance yet, I suggest you immediately find out and choose insurance that suits your needs. Don’t delay any longer, don’t let yourself experience an incident like me. Remember, it’s better to have an umbrella before it rains. It’s better to have insurance now than regret it later.
Tips for Choosing the Right Insurance
So that you don’t choose the wrong insurance, here are some tips that you can follow:
- Know Your Needs: Before choosing insurance, first identify what risks you want to protect. Are you more worried about your health, family finances, or valuable assets?
- Compare Multiple Insurance Products: Don’t just stick to one insurance product. Compare multiple products from different companies to get the best one according to your needs and budget.
- Pay Attention to the Insurance Company’s Reputation: Choose an insurance company that has a good reputation and is trusted. You can find out the company’s track record via the internet or ask friends and family who have experience.
- Read the Insurance Policy Carefully: Before signing an insurance policy, carefully read all applicable services and provisions. Make sure you understand your rights and obligations as an insurance participant. Do not hesitate to ask the insurance agent if there is anything unclear.
- Adjust Premiums to Financial Ability: Don’t force yourself to pay insurance premiums that are too expensive. Choose a premium that suits your financial ability so that you can pay the premium continuously without worry.
Conclusion
My experience is real proof that insurance is very important. Don’t be late in having insurance and regret it later. Start finding out about insurance now and choose the one that best suits your needs. Remember, prevention is better than cure. It’s better to have insurance than to run around looking for money when you’re sick or in trouble.
I hope my story can be useful for you! Don’t forget to always take care of your health and financial well-being. See you in the next post!