It is claimed that ‘Necessity is the mom of all of the innovations’. We at all times tend to enhance our existence. Better home, bigger vehicles, so on and so forth. In our pursuance to build up wealth and luxuries, we overlook about our well being and well-being.
How can we overlook that ‘well being is wealth’? If you have got sound well being, you’ll be able to get pleasure from your life and work exhausting for a vibrant future. But, what if one thing goes improper? What in case you get recognized with any vital sickness?
All the cash you accumulate by way of your exhausting work can go in well being care bills in a brief interval time. Today, getting caliber well being care is so costly. Naturally, you can’t compromise in terms of your well being. You cannot ask your physician to make use of cheaper medicines or services so as to accommodate your monetary profile.
Rather, you wish to go for the most effective and get the most effective services for remedy and restoration.
But, what about bills
Private hospitals are able to offering you greatest, superior and high-quality well being care providers. But that prices a bomb. Most of us can’t afford them from our personal monetary assets, except somebody is a high shot, industrialist or a high-flying celeb.
Salaried professionals can face robust instances to satisfy their well being care wants. There are individuals who find yourself wiping out all their financial savings accrued in a number of years.
Rajeev Khandelwal, 38, confronted a scenario from which we must always be taught. He is a profitable enterprise man offering safety providers to multinational corporations in Gurgaon, the high-profile company hub within the National Capital Region (NCR).
He suffered a sudden coronary heart assault, not too long ago. Though it was a light, minor assault, he was suggested by medical doctors to go for important surgical procedure. Thanks to his worrying skilled life as a consequence of which he was struggling hypertension. Naturally, he and his household didn’t wish to take any likelihood and compromise together with his well being.
The surgical procedure price was estimated at Rs 4 lakh in addition to the post-hospitalisation bills of Rs 2 lakh. He by no means accounted for such incidents. He didn’t have any medical insurance plan. As an unbiased enterprise man, he was alleged to get medical insurance cowl by way of his personal means, however amidst caring for enterprise, he by no means considered it.
Consequently, Rajeev gathered had no alternative however to take a personal loan of Rs 3 lakh to accommodate his remedy price. This loan was taken on the curiosity price of 18 per cent each year, for a interval of 4 years. The remainder of the quantity he organised from inside assets.
Taking this loan was costly and it dented his monetary profile in a serious approach. If he had availed a medical insurance plan, he may have gotten the protection and settled his remedy price simply.
How to go about it?
It could be very simple to get a medical insurance cowl. These days, most data is offered on-line. You can go to insurance coverage comparability portals to match medical insurance plans.
In reality, it’s advisable to go for a Family Floater plan protecting you and your loved ones members beneath one single complete medical insurance plan.
Let’s assume that you’re a 35-years outdated male married with two youngsters. You can go for a Family Floater Plan within the vary of Rs 5-10 lakh a yr. The price could be as little as Rs 12,000-15,000 a yr. That means, roughly Rs 1,000 a month or Rs 30 per day. That’s not a excessive price which you can’t afford. Isn’t it?
HDFC Health Suraksha Plan is one such plan which may present you a well being cowl of Rs 10 lakh on cost of premium at Rs 13,607. Star Health Insurance gives the identical protection at a premium of Rs 13,876.
If you want to lower your premium quantity, you’ll be able to go for a medical insurance protection of Rs 5 lakh. This may end up in half the price of premium.
There are a number of different plans accessible at your disposal. Just go to an insurance coverage comparability portal and make an knowledgeable choice.