When you’re young and healthy, major medical insurance might not seem like a priority. After all, sickness may feel like something that may only affect you many decades from now. But here’s the truth: accidents and serious illnesses don’t come with a warning, and they certainly don’t check your birth certificate first.
Let’s bust the myth that major medical coverage is only for seniors. Because we’ve seen firsthand how critical it is for people of all ages.
Emergencies Don’t Wait—and Neither Should You
Imagine you’re facing a medical emergency—maybe a broken bone, a stroke, or even a heart attack. Now imagine sitting in a public hospital waiting room for hours – in pain – hoping you’ll be next to be treated. It’s a reality many people face, and it’s one that can delay care when every second matters.
Major medical coverage, like ADmed, gives you access to private care quickly—bypassing long public queues and getting the attention you need when you need it most. In the case of an accident or emergency, all you have to do is present your ADmed card, pay your low deductible, we will pay the first 48 hours of expenses, up to the maximum benefit available.
Private Care Without the Price Tag
Private healthcare can feel out of reach financially, but with major medical insurance, it’s surprisingly affordable. Clients typically only pay the deductible upfront, and the policy takes care of the rest, up to your maximum coverage amount based on the tier of your plan. That means you can get premium care without the stress of massive medical bills.
With ADmed, you’ll have access to nine leading accredited private hospitals in T&T. That means you can select your preferred carers, build personalised relationships with the doctors of your choice, and get top class medical care when you need it. It’s peace of mind that doesn’t cost a fortune—and when dealing with an emergency or major illness, it’s worth every penny.
“I’m Too Young” Isn’t a Strategy 
Here’s the kicker: in 2024, ADmed saw claims from a 34-year-old who had a heart attack and a 43-year-old who suffered a stroke. These aren’t rare cases—49% of our claimants from our sample pool were under 50. That’s nearly half of all claims coming from people who likely thought they had plenty of time before needing serious medical care.
Whether you’re building your career, raising a family, or just enjoying your independence, protecting your health should be part of the plan. Major medical insurance isn’t just a safety net for later in life—it’s a smart move for right now. It’s easy to put off getting insurance, but when it’s too late, it’s too late. So, invest in your present, your future, and your health.
Final Thoughts
Your health is your greatest asset—no matter your age. Don’t just rely on good luck to stay healthy. And don’t dismiss potential concerns by saying, “It probably won’t happen to me.” We believe that, when it comes to health, you should have the most options and the best possible care to safeguard your future.
And – as always – you’re not alone. If you need help figuring out which coverage is right for you, reach out to us anytime. It would be our pleasure to tailor a plan that best suits your needs, at a cost you can afford.
