Picture this: You work like a dog and render a lot of hours for overtime to get the raise you are eyeing. However, as soon as you get what you've been aiming for, your body bugs down and you realize that all the money you made from working hard goes to very expensive medical care.

The bottom line with this picture is clear: Health is a valuable investment but if left unattended could very well be one of the most formidable bringers of financial crisis. If you think that paying premiums for health coverage eats up a significant chunk from your take-home pay and monthly income, think again. Below are the top four reasons that you should get a health insurance.

1. You end up paying lesser up-front costs, or none at all.

Insurance plans fully cover consultation and hospitalization costs up to a certain period or a ceiling amount. If your condition exceeds the limits stipulated in the plan, that's the only time you will start shelling out bucks. This translates to lesser wrinkles and worries on your end, in case you need to see a doctor or need to spend a night at the hospital – even when you do not have spot cash with you.

2. You receive better healthcare and quality services.

Emergency rooms are for rush cases and very expensive costs. Sadly, these could be your first and last stop at the hospital if you do not have any health coverage. The reason is obvious: Being examined, diagnosed and treated by specialists will most likely require you to join a queue or schedule an appointment before you can be entertained. Your pass to your area's great healthcare lies in your insurance health card. What is best is that you will not even have to wait in line to be treated like a very important person (VIP).

3. You get the right push to check on your health regularly.

Face it. You wish to skip visits to a healthcare professional because you know you might be spending on them what you could be spending on a movie date, a day of pampering at the spa, or a cute outfit at your favorite boutique. Well, with a health insurance plan, you will be more encouraged to maximize the benefits you can enjoy from the coverage. This translates to a more vigilant and more health-conscious you.

4. You enjoy peace of mind, knowing that when something happens, your insurance can take care of it for you.

Preparing for the unexpected is indeed a gamble. You may be paying premium fees for a health coverage which you may or may not end up utilizing within a given period. Still, you can dwell in the positive thought that when something untoward does happen to your health and physical well-being, you or your loved ones will not be floundering on your own. Your health insurance plan will help you react to situations proactively. In fact, you will get to spend more time recuperating, than worrying about the mounting medical bills.