6 Ways to Protect Finance from Unexpected Medical Costs


The saying says, health is expensive. Not only inhibits your activity and productivity at work. Health problems will also have an effect on your financial plan.
Well, what can you do to get your finances ready to face possible medical problems? The following are:

  1. Manage your Medical Emergency Fund

You will never know what happened now and tomorrow. So having enough savings for emergency events will make you think more calmly. Based on Cigna’s survey, only 59{32ca7afe7dee7544c8399175d2ef8534bc96e8dfec63ac1022e945a6adaba39c} of individuals said they had financial security for 12 months without any income.
Others, 29{32ca7afe7dee7544c8399175d2ef8534bc96e8dfec63ac1022e945a6adaba39c} said that their financial plan is only safe within one month.

  1. Use Emergency Funds Only for Urgent Purposes
    Now we have emergency funds in savings? The next challenge is, you must obey using these funds for emergency purposes only. Never be tempted to spend it on a daily or monthly basis that is sometimes not needed.


  1. Understand the Signal of Your Body Condition

It is very important for you to understand the condition of your own body and how the body reacts to certain situations. We must know when the body needs adequate rest and when to see a doctor to check health.

  1. Eliminate the Assumption, “It’s Still Easy That It’s Free to Do It”
    You may be young, healthy, fit and think that the body system is still working well. But did you know that future success depends very much on how we look after the body today. Based on the survey, many young people sacrifice their health care funds for unnecessary consumption purposes. Examples include overeating and unnecessary shopping.
  2. Live a healthier lifestyle
    Many studies prove that individuals who have good health quality because they live a good lifestyle. People who experience health problems are often caused by living a bad lifestyle, such as smoking. This habit can result in the emergence of health problems that will eventually make it difficult for you. Rather than risk losing financially, it’s good to change your unhealthy lifestyle so that you avoid these risks. Maintaining health can make you happier, and of course you can make more money to save.


  1. Better to maintain than treat
    Whatever health problems or preparations for the disease you have done. It feels like it’s all useless if the disease continues to come without stopping. Because of that, it feels very appropriate to say that “it is better to guard than cure”. Therefore, take care of your health, and start preparing emergency funds to deal with financial problems when the disease comes.


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