You know, insurance is that background character in every family WhatsApp group - ignored, yawning in the corner, till suddenly, drama strikes. Then everyone’s like, “Bro, where was this guy when I needed backup?” The problem is, thanks to viral forwards, chacha’s ‘expert’ advice, and the occasional wild imagination, insurance myths spread faster than spoilers for the next Marvel movie.

Let’s play myth-buster, but with style. Think: 12 myths, each getting blasted like a villain in the last five minutes of a masala flick. No boring lectures, just straight-up fireworks. Ready? Camera, action!

Myth 1: “I’m Young and Healthy, Insurance is for Aunties-Uncles!”

Pfft. Youth isn’t a force field, my friend. Accidents and viruses don’t care if your Insta bio says ‘fitness freak.’
“Kya tumhe maut se darr nahi lagta?”
You: “Medical bills ka naam sunke hi paseena aa gaya, boss.”
Epic hack: Get insured now, pay less, stay chill for years. Plot twist: you win.

Myth 2: “Life Insurance? LOL, That’s for Retired Uncles.”

Bruh. If anybody needs your salary to survive - spouse, siblings, your parents; life insurance is your hero’s cape. Not optional.
“Paisa se moh maaya nahi hai!.”
But your fam will need money, if things go sideways.

Myth 3: “Third-Party Car Insurance, Bas, Done.”

That’s like buying only one shoe and acting shocked when your foot hurts. Third-party only covers the other guy’s mess. Yours? Good luck, superstar.
Full cover = hero ending, not side character exit.

Myth 4: “I’m Never Sick, Insurance is Useless.”

LOL, tell that to mosquitoes with dengue. One hospital trip, and your bank account’s emptier than a popcorn tub after interval.
“I’m rarely ill” ≠ “Iron Man, assembled.”
Insurance = chill vibes, wallet safe.

Myth 5: “Office Insurance Is Enough, Na?”

That’s like thinking your office chair is your throne. Switch jobs or get the boot? Poof, protection gone. And you don’t get to call the shots.
“Temporary scene hai, permanent jugaad chahiye.”
Get your own plan—like an emotional support water bottle, but for emergencies.

Myth 6: “No Claims? Paisa Waste!”

You don’t crash your car every day, but you still buckle up, right?
Insurance = seatbelt, not cashback. Just in case, bro.
Like that fire extinguisher at home—boring, until it’s not.

Myth 7: “Cheapest Policy is the BEST!”

Yeah, and the cheapest samosa is always the tastiest? Not. Cheap insurance loves fine print. Loves to bail when you need it most.
“Mehenga roye ek baar, sasta roye baar baar.” apply that logic for insurance too.
Find the sweet spot: good cover, trusted reviews, not a scammy price.

Myth 8: “Single? Why Bother With Life Insurance?”

Single = zero drama? Nope. Got loans, co-signers, or parents? Want your funeral to go GoFundMe viral? Nah, didn’t think so.
Life insurance = adulting hard. Don’t leave bills behind.

Myth 9: “All Insurance Companies Are The Same”

Dream on. Some pay out fast, others make you solve a Rubik’s Cube blindfolded. They’re not twins.
“Yeh public hai, sab jaanti hai...”
Check those claim ratios and reviews before you swipe right.

Myth 10: “One Policy Only, Please?”

Who says? Stack ‘em. Health, top-up, critical illness, term life - assemble your own Avengers team.
Combo = real safety net. Not just ticking boxes.

Myth 11: “I’ll Buy Insurance When It’s ‘Time’”

LOL. Insurance is not Maggi - can’t whip it up in 2 minutes when disaster strikes. Younger = cheaper. Older = wallet cries.
“Kal kare so aaj kar, aaj kare so ab.”

Myth 12: “Insurance Companies Never Pay, Bro!”

Actually, some do! Just don’t treat the paperwork like a Netflix terms & conditions scroll. Be honest, read stuff, pick a good company.
Go with solid claim record, skip the jugaad. Easy.

Quick Recap, No Fluff:

Because Who Has Time?Insurance isn’t glamorous, but you know what’s worse? Going broke after a plot twist accident. Myths feel nice; until reality slaps harder than a K-drama twist.
So, ignore the gossip, do your research, and get real coverage. Your future self will throw you a party.
Because insurance done right? Saves your day. Maybe even your life. Now that’s a happy ending.