Best Time to Buy Health Insurance: Why Earlier Is Better

Many young professionals delay buying health insurance because they are healthy. But the best time to buy is exactly when you think you do not need it.

Why Buy Early?

1. Lower Premiums:

• Age 25: Rs.6,000-8,000 for Rs.10L cover
• Age 45: Rs.12,000-20,000 for same cover
• Age 65: Rs.30,000-60,000

1. Shorter waiting periods - pre-existing disease waiting periods pass while you are healthy
2. No medical tests - not required below 45 for most plans
3. Better coverage options available
4. Accumulate NCB faster
5. Avoid rejection - lock in coverage before conditions develop

The Cost of Waiting: Buying at 25 vs 45 means lower premiums, full waiting period credit, 50% NCB, and no exclusions.

The best time to buy was yesterday. The second best time is today.

Ready to buy? Contact Insurance Support to compare plans.