When you’re young and healthy, it’s common to feel a little invincible. After all, other people get sick- that stuff just doesn’t happen to you.

However, no matter how young you are, you’ll find that accidents happen. Maybe you break your ankle hiking, you fall and hit your head, or you get sick overseas and need medical care. The good news is that insurance companies now cater to many more groups of people, including accident care and global health care- so if you’re travelling overseas you’ll be covered.

People with health insurance are more likely to go see a doctor as soon as they begin feeling unwell, while those who will be paying for all of the costs themselves are more likely to wait, try to treat themselves, and hope that they just miraculously get better. This means that without health insurance you’re more likely to be sicker for longer, when you could be back at work and going about your everyday life.

If you’re like most people, you probably have a relatively hectic lifestyle. Maybe you’re working hard at a new job, juggling commitments with friends and family, and simply haven’t thought about getting your own health insurance. But part of growing up means being responsible for your own healthcare, and you’ll find that knowing that you’re completely covered in the event that you get sick or injured will be great for your peace of mind.

One of the great things about health insurance today, is there are many different plans depending on the amount of coverage you’re looking for and how much you want to spend. A comprehensive plan will usually cover you for any costs associated with leading up to and while you’re hospitalised, consultation and pharmacy costs and emergency cover around the world.

Other plans will include maternity benefits, expenses for your newborn and vaccinations, and you can even get a discount if you enrol the whole family.

You may find that you’re already covered at home but you want worldwide protection. There are plans which will cover you in case of an emergency overseas and will also give you a free health check-up when you renew your policy.

Other policies include critical illnesses, coverage for loss of employment, death and dismemberment and inpatient and outpatient benefits.

This means that whatever your lifestyle, and however much coverage you’re looking for (and whatever your budget) you can choose a health insurance policy that suits your needs, giving you peace of mind that if you get sick at home or overseas, you won’t need to frantically call your family and ask them to help with your medical costs.

You’ll find that as long as you have no pre-existing conditions, health insurance is a cost-effective choice for young people, and can end up actually saving you money- particularly if you have a bad year with your health. Don’t delay, get yourself a health insurance policy today.