Health Insurance does not only mean Health Policy

Your Mediclaim or Health insurance policy will protect your financial assets to the extent of the sum assured and any internal capping your policy document may have.

Although, It is a vital to have a very good Health Insurance policy, it only takes care of your Wealth at stake, but not your Health!

The best case scenario is to have a good Health Insurance policy with adequate cover and you never visit Hospital in the lifetime!

Yes, you are paying your premium for your piece of mind. But, I’ve seen there is a mentality to “Get back” the premium paid for “वसूली” of the premium!! People do not happily pay this premium, if there was no claim!

Well, having and maintaining a good health is your “Primary Health Insurance”. Having a good health insurance policy is the second line of defense that is only meant to protect the financial impact. What is the point even if your hospital bills are being paid by the insurance company, but in the process your health is compromised?

As the Hindi saying goes “जान है तो जहॉं है”.

So friends, Never compromise your Health for any reason. Health first! I visualize my health insurance policy premium as a donation to the unfortunate family, who have to undergo hospitalization and thank God for keeping me healthy for that Year!

There is a second side to it as well. When your Health is optimum, there is a resistance to purchase a Health Insurance Policy. Do remember that no matter how good health you possess, in today’s uncertain world, there are eventualities that land you into hospital and having an health insurance is needed by every individual.

We must realize that very soon in India, Health Insurance will become a luxury, as the premium costs will shoot up dramatically, even for a slightest of deviations in health parameters. This again underlines the need of buying health insurance when you are healthy.

So friends, if you are still unsure about buying a health insurance policy, give it a serious thought. Because the best time to buy it is when you don’t need it. Also this is one of the very important pre-requisite for financial freedom journey!

Stay Healthy! Stay Happy, but buy adequate health insurance policy too!!