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Three reasons why we should have insurance before we turn 30

2025/9/13 Edited to

... Read moreการมีประกันภัยก่อนอายุ 30 ปีถือเป็นการตัดสินใจที่ชาญฉลาดและมีประโยชน์อย่างมาก เหตุผลหนึ่่งที่สำคัญคือ เบี้ยประกันจะถูกกว่าหากเริ่มต้นก่อนที่จะสูงวัยขึ้น เช่น อายุ 35-40 ปีขึ้นไป ซึ่งเมื่ออายุมากขึ้นและสุขภาพอาจมีปัญหาเบี้ยประกันก็จะสูงขึ้นตามไปด้วย นอกจากนี้ การทำประกันในช่วงอายุน้อยยังช่วยให้การพิจารณาอนุมัติประกันเป็นไปอย่างราบรื่นเพราะสุขภาพยังดี โอกาสผ่านการตรวจสอบแบบไม่มีเงื่อนไขก็จะสูงกว่ามาก อีกหนึ่งเหตุผลที่หลายคนมองข้ามคือเรื่องการวางแผนการเงินสำหรับอนาคต เมื่อเริ่มมีประกันตั้งแต่อายุน้อย จะมีเงินสำรองสำหรับใช้ในยามฉุกเฉินหรือไม่คาดฝัน เช่น การเจ็บป่วยหรืออุบัติเหตุ และยังช่วยปกป้องครอบครัวในกรณีที่ต้องแบกรับภาระค่าใช้จ่ายในอนาคต นอกจากนี้ ประกันภัยยังช่วยให้เราเตรียมพร้อมกับเป้าหมายชีวิต เช่น การเรียนต่อ การซื้อบ้าน หรือวางแผนเกษียณได้อย่างมั่นใจ สุดท้ายคือความง่ายในการคุยกับผู้ให้บริการประกัน หากเริ่มทำประกันตั้งแต่วัยทำงานตอนต้น จะมีเวลาในการศึกษาและเลือกแผนประกันที่เหมาะสมกับความต้องการของแต่ละคนมากขึ้น และไม่ต้องเจอกับปัญหาเบี้ยโหลดที่เพิ่มขึ้นจากการเปลี่ยนแปลงของสุขภาพในอนาคต การเริ่มต้นแบบนี้ยังช่วยสร้างนิสัยการออมเงินและการวางแผนทางการเงินที่ดีในระยะยาว

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