It is true that we never want accidents and illnesses, but they still do happen. We cannot predict when they will happen. This is why insurance is very important. Read here at for more info on insurance policies. However, the challenge comes when trying to choose the best policy from the market. There are many insurance companies offering a number of policies and choosing who to insure with sometimes becomes tricky.
You need to assess the situation fully before you can decide on what is best for you. Consider all your needs. What risks are you exposed to? Which ones seem to be posing a greater risk of loss? Your needs are the main determinants of the best policy for you. Consider the benefits you want to reap from insurance. Sometimes the policies combine benefits and thus you must consider only what you require to ensure you save on the premiums. You could enjoy more benefits by choosing a comprehensive policy. This does not necessarily mean that you have to pay more for it. You will need to shop around to identify the company that gives you value for your money.
You have heard people say that cheap is expensive and therefore claim that it is better to pay higher premiums if you want to enjoy the benefits. This may not hold much water since insurance companies sometimes do differentiate the cost depending on the target customers. If the company wants to attract the high end members of the society, then they will keep their rates higher than usual. Those targeting the lower end of the society will keep their rates relatively affordable. Insurance is not something you wake up and go for. You must do thorough research from the market before you can decide to pick on the policy. A good policy guarantees you benefits as long as you pay the premiums.