“I’ll Do It Later…” The Costliest Excuse You’ll Ever Make
“I’ll get health insurance next month.”
“I’m young and healthy, nothing will happen to me.”
“Why should I pay now when I’m perfectly fine?”
Sounds familiar? Welcome to the Let-Me-Do-It-Later club where we keep postponing smart decisions until life gives us a harsh wake-up call.
But here is the Truth No One Wants to Hear but Must! - India saw a 135% rise in insurance claims for lifestyle diseases between 2016 and 2023. And now, as of FY 2025, overall health insurance payouts have surged by nearly 30% from 2023.
No, it’s not just your parents or grandparents getting diagnosed. These are now showing up in people as young as 25.
You may be hitting your gym goals or eating organic but that doesn’t make you immune to unexpected health events. And unfortunately, medical bills don’t wait until you’re “financially ready.”
Even the Famous Weren’t Spared
Yuvraj Singh — right after lifting the 2011 World Cup, he was diagnosed with lung cancer. He was one of the fittest athletes in the country. Treatment abroad saved his life.
Or
Irrfan Khan — a sudden diagnosis of a rare cancer required extensive treatment overseas.
Ask yourself: if something like this happens to you or your family, are you financially ready to handle even ₹10–15 lakhs out of pocket? This is where health insurance becomes a lifeline.
These aren’t scare tactics — they’re real stories. Because life doesn’t care about your age, income, or fitness level.
Let me put it in a better way. I believe most of you own a vehicle. You never forget to renew your vehicle insurance, do you? If your bumper gets a dent, repairs might cost ₹25,000. So you happily pay ₹6,000/year to protect it.
But when it comes to your own body, why second thoughts? Truth is — you can replace a car. You can’t replace your health.
Waiting has a price:
- You’ll pay a higher premium as you age
- A new health condition could get excluded or rejected
- Medical costs are rising 10–15% annually
Delaying = Paying More (Or Losing Coverage Altogether)
Buying insurance when you’re healthy is smart — it’s a discounted safety net. You’re not just buying coverage; you’re buying peace of mind, dignity in emergencies, and financial protection for your loved ones.
It’s Time to Insure the Most Valuable Asset — You!
If reading this made you pause for a second, that’s a sign.
Don’t wait for the “right time”. The right time is before anything happens and you deserve better than that.
Need help figuring out where to begin, how much to cover, or what plan works best? I’ve got you!
Comment “Health” or DM me or👉🏾 Click here to get started 👈🏾
Akash Neelakantan
Wealth Manager at Infiniti Financial Services.