{"id":42339,"date":"2026-08-18T11:30:00","date_gmt":"2026-08-18T06:00:00","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=42339"},"modified":"2026-08-16T22:38:46","modified_gmt":"2026-08-16T17:08:46","slug":"what-is-insurance-and-why-should-i-consider-getting-it","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/what-is-insurance-and-why-should-i-consider-getting-it\/","title":{"rendered":"What is insurance and why should I consider getting it?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_86 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/what-is-insurance-and-why-should-i-consider-getting-it\/#why_insurance_matters\" >why insurance matters<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/what-is-insurance-and-why-should-i-consider-getting-it\/#the_cost_of_not_having_insurance\" >the cost of not having insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/what-is-insurance-and-why-should-i-consider-getting-it\/#buying_early_matters\" >buying early matters<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/what-is-insurance-and-why-should-i-consider-getting-it\/#the_different_types_of_insurance\" >the different types of insurance<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/what-is-insurance-and-why-should-i-consider-getting-it\/#frequently_asked_questions\" >frequently asked questions<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n<p class=\"wp-block-paragraph\">insurance protects against financial loss. it is a form of risk management. it helps hedge against uncertain losses.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">simply put, insurance is a shared risk management tool. many people come together to protect themselves against damage or loss. a regular payment called a premium is made. this money goes into a common fund. when a member suffers a covered loss, the fund compensates them.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">the core idea is straightforward. a small, certain cost, the premium, is traded for protection against a large, uncertain cost. a medical emergency, a car accident, or the death of a breadwinner. uncertainty is replaced with certainty.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"why_insurance_matters\"><\/span><strong>why insurance matters<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>protection from financial ruin.<\/strong>&nbsp;this is the most important reason. an unforeseen event like a serious illness, an accident, or a fire can cause heavy financial loss. without insurance, such an event can wipe out years of savings.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">healthcare costs in india are rising at around 14 per cent annually. treatment costs can double every five years. a single cardiac event or cancer treatment can cost between \u20b95 lakh and \u20b920 lakh in urban hospitals today. treating cancer can easily cost around \u20b930 lakh to \u20b970 lakh in a metro city. for many families, this level of expense is financially devastating.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">over 40 per cent of healthcare spending in india still comes directly from household pockets. this means that without insurance, a medical emergency can trigger savings depletion, loan burdens, or forced asset sales.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>protection for the family.<\/strong>&nbsp;life insurance can help protect the family&#8217;s financial future if the primary earning member dies unexpectedly. a term insurance policy pays a lump-sum amount to the family, ensuring their lifestyle and long-term goals like education or housing remain secure. the purpose is not to create wealth, but to replace lost income.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>it preserves financial progress.<\/strong>&nbsp;insurance is not just a defensive product. it is also a financial enabler. without adequate coverage, people may avoid career risks, postpone entrepreneurship, or maintain larger cash reserves instead of investing. when catastrophic medical risks are covered, families are less likely to interrupt investments or derail long-term financial goals.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"the_cost_of_not_having_insurance\"><\/span><strong>the cost of not having insurance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">the story of rohan is a common one. at 28, he was financially disciplined. a \u20b912-lakh annual salary, \u20b93.5 lakh in savings, and sips of \u20b918,000 every month. then his father suffered a massive heart attack. the treatment cost \u20b98.2 lakh. his father had health insurance, but it was a \u20b93 lakh policy purchased a decade earlier. the actual payout was less than \u20b92 lakh. within weeks, rohan&#8217;s savings were wiped out. his sips stopped. he took a personal loan to cover the remaining bill. his financial plan, carefully built over years, collapsed in two weeks.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">this is not an isolated case. a single illness or accident can erase years of financial progress. as zerodha co-founder nithin kamath remarked, &#8220;most indians are just one hospitalisation away from bankruptcy.&#8221; it is not hyperbole.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"buying_early_matters\"><\/span><strong>buying early matters<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">the best time to buy health insurance is when an individual is young and healthy. premiums are priced based on risk. a 25-year-old will pay far less than a 45-year-old. waiting means higher premiums, more exclusions, and the risk that certain illnesses may be permanently excluded. insurance policies impose a waiting period for pre-existing conditions. acting early ensures the waiting periods are served while still healthy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"the_different_types_of_insurance\"><\/span><strong>the different types of insurance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>health insurance.<\/strong>\u00a0covers the cost of medical treatments, hospitalisation, and surgeries. it is a near-essential product for every household.<\/li>\n\n\n\n<li><strong>term life insurance.<\/strong>\u00a0pure protection. pays a lump sum to the family if the policyholder dies. provides income replacement.<\/li>\n\n\n\n<li><strong>motor insurance.<\/strong>\u00a0covers damage to vehicles and third-party liability. mandatory in india.<\/li>\n\n\n\n<li><strong>home insurance.<\/strong>\u00a0protects the structure and contents against fire, theft, and natural disasters.<\/li>\n\n\n\n<li><strong>personal accident insurance.<\/strong>\u00a0provides coverage for disability or loss of income due to accidents.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"frequently_asked_questions\"><\/span><strong>frequently asked questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1. what is insurance in simple terms?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">insurance is a contract that provides financial protection against losses. a premium is paid. the insurer pays money if a covered event occurs. it is a way to manage financial risk.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2. why is insurance important for a young person?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">it is the time when premiums are lowest and exclusions are fewest. buying early establishes coverage before lifestyle diseases emerge. it ensures protection when it is needed most.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>3. is health insurance more important than life insurance?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">some experts say health insurance is more important because the probability of a family member needing medical care is higher than the death of the breadwinner. both are necessary.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>4. what is the difference between insurance and investment?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">insurance is for protection against risk. investment is for wealth creation. they serve different purposes. a term insurance plan is not an investment. it is a safety net.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>5. what happens if reliance is only on an employer&#8217;s health insurance?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">employer coverage disappears when an individual changes jobs. if a chronic illness develops while employed, finding a private insurer later can become difficult or expensive.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>insurance protects against financial loss. it is a form of risk management. it helps hedge against uncertain losses. simply put, insurance is a shared risk management tool. many people come together to protect themselves against damage or loss. a regular payment called a premium is made. this money goes into a common fund. when a [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/what-is-insurance-and-why-should-i-consider-getting-it\/\">Read 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