Why Health Insurance Is Essential for People in Their 30s
People in their 30s should not overlook the importance of health insurance. This age marks a critical time to take care of your health, and getting health insurance is a key investment for your well-being. As you age, the risk of health issues rises, whether from physical decline or other risk factors that could lead to chronic diseases or work-related illnesses. Unexpected incidents can also happen at any time. Health insurance gives you peace of mind, ensuring you receive appropriate care without worrying about potential medical expenses.
Critical illness or unexpected accidents can impact your health and drain your life savings. Without health insurance, you may need to use your savings to cover expensive medical bills, which could ruin your financial plans for the future. Therefore, health insurance is a crucial tool to protect you from financial risks arising from unforeseen events.
- Why People in Their 30s Should Prioritize Health Insurance
- Health Problems That People Over 30 Need to Watch Out For
- Risk Factors and How to Stay Healthy in Your 30s
Why People in Their 30s Should Prioritize Health Insurance
Entering your 30s is a major turning point for future planning. Even if you are in good health, it’s important not to assume that you’ll remain free of health issues forever. Health insurance helps protect you from unexpected risks and provides financial stability.
Protect Against Potential Health Risks
Although you may feel strong and healthy in your 30s, as time passes, health risks increase due to both external factors and bodily changes. Chronic diseases like high blood pressure, diabetes, and heart disease become more likely as you age. Getting health insurance early provides comprehensive coverage and reduces worries about future health issues.
Safeguard Your Savings and Financial Future
Illness or unexpected accidents can happen anytime, often with medical costs higher than anticipated. Having health insurance ensures you receive proper care without worrying about expenses, protecting your savings and allowing you to plan your finances securely.
Reduce Reliance on Employer-Provided Plans
While many employers offer health insurance, these plans may have limited coverage or may not cover the medical care you need. Having your own health insurance ensures you get the right coverage.
Lower Premiums if You Start Early
One benefit of getting health insurance while you’re young is lower premiums. Since health risks are lower at this age, insurance companies see you as a low-risk policyholder, allowing you to get comprehensive plans at a reasonable price.
Peace of Mind in Emergencies
Health insurance provides peace of mind for you and your family, ensuring that in case of emergencies, whether due to illness or accidents, you’ll receive appropriate treatment without financial concerns. This confidence allows you to live fully without constant worry.
"Don’t underestimate illnesses...having insurance provides peace of mind." Health insurance acts as a protective shield, allowing you to handle unforeseen situations effectively.
Health Problems That People Over 30 Need to Watch Out For
Many believe their health remains as strong as in their 20s, but the body gradually changes due to lifestyle, work habits, and genetics, exposing you to more health risks than you might think. Let's explore some of these conditions:
Office Syndrome
Office syndrome directly affects office workers, as many sit for long hours without moving, causing muscle stiffness and inflammation. According to the Ministry of Public Health, 60% of working adults suffer from office syndrome.
Stress-Induced Gastritis
Stress-induced gastritis is primarily caused by stress, which stimulates the nervous system to produce excess stomach acid, leading to irritation and gastritis.
High Blood Pressure
High blood pressure is common among office workers due to frequent stress and pressure. It is also a leading cause of strokes, paralysis, and kidney failure. The World Health Organization predicts that by 2025, 1.56 billion people will suffer from high blood pressure.
Heart Disease
Heart disease often affects working adults who face heavy workloads, insufficient rest, and a high-fat and strong-flavored diet and the lack of exercise. These factors make heart disease an easy condition to develop.
Bladder Infections
Bladder infections are another common issue for working adults. Holding in urine, drinking little water, or choosing coffee over water can lead to serious health problems.
Risk Factors and How to Stay Healthy in Your 30s
You can still make something of your life at 30! Although your body and mind face increased risks from various factors, by consistently taking care of your health and reducing risks that could affect it, you can live a smooth and happy life.
How to Stay Healthy and Thriving in Your 30s
How to Stay Healthy and Thriving in Your 30s
Improve your eating habits: Eat a balanced diet with all 5 food groups, focusing on vegetables, fruits, whole grains, and proteins. Reduce foods high in fat, sugar, and sodium.
Exercise regularly: At least 30 minutes a day.
Get enough rest: Sleep 7-8 hours per night.
Manage stress: Take time to relax, do activities you enjoy, or practice meditation.
Have annual health check-up: To detect and treat illnesses early.
Avoid risky behaviors: Stop smoking and reduce alcohol consumption.
Get health insurance: A safety net for covering medical expenses if you fall ill unexpectedly.
Health Insurance Can Also Help Reduce Taxes!
One interesting benefit of having health insurance is tax deductions. This encourages preparation for future medical expenses, with Thailand's tax law allowing health insurance premiums to be deducted from personal income tax, subject to certain conditions and limits.
- Health insurance premiums can be deducted up to 25,000 Baht per year.
- If you buy health insurance for your parents, you can deduct as charged up to 15,000 Baht per year.
- Health insurance tax deductions can be combined with life and savings insurance, with a total deduction limit of 100,000 Baht per year.
Now is the best time to get health insurance. Starting while you're young not only lowers the premiums you’ll pay but also gives you access to more comprehensive coverage. Don’t wait until your health declines, as premiums will rise with age, and policies may have more limitations or it could be too late. Getting health insurance in your 30s ensures you get the best protection and peace of mind that your health will be taken care of in any situation with Muang Thai Life Assurance.
Now is the best time to get health insurance. Starting while you're young not only lowers the premiums you’ll pay but also gives you access to more comprehensive coverage. Don’t wait until your health declines, as premiums will rise with age, and policies may have more limitations or it could be too late. Getting health insurance in your 30s ensures you get the best protection and peace of mind that your health will be taken care of in any situation with Muang Thai Life Assurance.
Choose the coverage that fits your needs at any age, with lump-sum health insurance, from 200,000 Baht to 100,000,000 Baht.
Coverage of critical illnesses, cancer, kidney disease, dialysis, and cancer chemotherapy without hospitalization.*
🩺 Full coverage for surgeries, ICU rooms for up to 365 days.
🩺 The entry age is up to age 90, with coverage period up to age 99.
🩺 Coverage of advanced medical treatment technology.
For more information
☑️ Tel. 1766, available 24/7.
☑️ Contact life insurance agents, or all branches of KASIKORNBANK and Land and Houses Bank
* Coverage of Elite Health Plus Rider
- Coverage conditions are as specified in the insurance policy.
- Health rider must be purchased to be attached to in-force policy.
- Coverage period of the rider must not exceed the coverage period of the life insurance policy that this rider is attached to.
- Premium is eligible for tax deduction. Conditions are as specified by the Revenue Department.
- Underwriting is subject to the Company’s rules.
- Please study the details of coverage, conditions and exclusions before making a decision to purchase insurance.
Sources: Data retrieved on 3/10/2024
🔖 thairath