When you are in your twenties, Health insurance is not something that you think about. However, it is exactly when you are young and healthy that it makes more sense to buy insurance.
Rates are lower for younger people, and they do not increase much as you and the policy mature with age. The reason for this is that the insurance company knows your medical process over a period of time. For people wanting to join a scheme when they are older, they are likely to pay a far higher price, particularly if they have not looked after themselves very well.
In fact, keeping fit and healthy is not only important to live a longer, better life, but will also help to keep your insurance premiums low. Smoking, which is not advisable under any circumstances, will definitely make your insurance higher.
When going for the physical and filling out any forms, it is extremely important to tell the truth, and not lie if you have any conditions. If you do, and the insurance company finds out, then they could refuse to pay out in the event that you need them to.
Health insurance is a vital asset, as with this age of austerity, there is no way to tell fifteen or twenty years from now what services will be offered by the NHS, and this will ensure that you get treatment when and where you need it.