Medical insurance is one of those things we all know is essential.
We’ve heard the advice countless times:
“Protect yourself and your family’s future,”
“Health is wealth,” and
“It’s better to be safe than sorry.”
And I genuinely believe in those words.
Yet, despite knowing its importance, my current financial situation means my medical insurance has lapsed.
I want to be open and honest about this because I know I’m not the only one facing this dilemma. Life can sometimes place us in situations where we have to make tough choices, and for me, paying for medical insurance recently became an expense I couldn’t sustain.
Why Medical Insurance Matters
Before my policy lapsed, I always had peace of mind knowing that if a medical emergency struck, I would be financially covered. Unexpected illnesses, accidents, or hospitalizations are incredibly stressful, and having medical insurance helps ease some of that burden. It’s a safety net that gives you the confidence to face life’s uncertainties.
Without insurance, the fear of a sudden illness or accident lingers in the back of my mind. The reality is, medical care is expensive, and a single hospital visit can drain years of savings. That’s why I still believe medical insurance is crucial — it’s protection not just for our health, but for our finances and future.
The Financial Struggle is Real
Like many working moms, balancing a budget is a constant challenge. Between childcare costs, household expenses, groceries, transportation, and other essentials, it’s hard to stretch every ringgit. Sometimes, we have to prioritize immediate needs over long-term protections.
When I had to make the tough choice to let my medical insurance lapse, it wasn’t because I didn’t care about my health or my future. It was because I needed to take care of immediate concerns for my family’s daily survival. It’s a difficult position to be in, and I’m sure many others can relate.
My Plan to Get Back on Track
Even though my medical insurance has lapsed, I haven’t given up on getting coverage again. I’m making small steps to improve my financial situation so that I can reinstate my policy soon. Here’s what I’m doing:
Budgeting Better: Tracking every expense and finding areas where I can save more.
Building an Emergency Fund: Slowly setting aside money for unexpected situations.
Exploring Affordable Options: Researching different insurance plans to find something that fits my current budget.
I know that once my financial situation stabilizes, medical insurance will be one of the first things I reinstate. I want that peace of mind again, not just for myself, but for my family.
A Reminder to Be Kind to Ourselves
If you’re also in a situation where medical insurance feels out of reach, know that you’re not alone. Life’s challenges don’t make us failures; they make us human. We do the best we can with what we have, and it’s okay to prioritize survival while keeping long-term goals in mind.
My journey with medical insurance is a work in progress, just like many other aspects of my life. I believe in planning for the future, but I also believe in giving ourselves grace for the present.
Here’s to hoping for more stable days ahead, where protection and peace of mind are within reach for all of us.
If you're looking for Medical Insurance, you can contact my wonderful agent, Hajar. I share her social media below:
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