Institution of Insurance Ombudsman

Right Age to Buy Health Insurance Plan in India

Before you buy health insurance, you must have often wondered about the right age to buy the same. Typically, people think that they need to buy a health insurance policy only when they start ageing, or when their health begins to deteriorate. The biggest fallacy, believed in by some people, is that they don’t need to buy a health insurance plan, while they are young and healthy. But, market experts advise that the right age to buy health insurance plans is at a relatively younger age i.e. in between 18-25, while you are in sound health. Besides, the millennials of the present age are at a high risk of lifestyle diseases, like hypertension, obesity, diabetes, and cardiac ailments because of poor lifestyle habits. These include lack of exercise, odd working hours, stress, pollution, and poor dietary habits. Alongside, there is the risk of vector-borne diseases, like dengue, chikungunya, jaundice etc. and pandemics such as coronavirus. So, buying a health insurance policy should be a top priority for young people.