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"Well,
it's not important. I'm healthy (never been sick), my wife is
healthy and also my children. Insurance is a rip-off, a waste
of money! I don't really need it!" If you were 100 percent sure
you or your family will never get sick or injured tomorrow, next
week or next month, it would be a rip off. Are you 100 percent
sure? Do you know the future? If you are 100 percent sure that you
will never get sick, you should "never" get insurance!
Unfortunately, no one is brilliant enough to see what tomorrow
holds. But you say, "I will take my chances." Okay, but if you or
your family gets ill or is injured, who will pay for it? Do you
have $50,000 or $100,000 set aside for such emergencies? It could
take $25,000 just to med-evac an injured family member to your home
country. And what if the care was life long? What if a family
member developed Crone's disease or diabetes, etc.? Now you need
tens of thousands of dollars for life-long care.
I have a friend in Phoenix who, as a young college student, made a
simple jump from a hillside and broke his back. He has been in
tremendous pain for years. His medications are now costing him
$2,000 a month. (By the way, he strongly believes in insurance.)
Now, if you don't have money set aside for medical expenses, you
will have to turn to your friends and family, or to your donor base
if you are a volunteer worker. How will they feel? Will they
consider you a good steward? And will they be able to finance your
medical needs for years to come? Won't their charity eventually be
exhausted? These are all very real questions of real situations
that happen every day. The very existence of insurance companies is
proof that insurance is meeting very real needs. It is important
that all of us, especially overseas workers, have good health
insurance. |
