MEDICLAIM POLICY: Why it is a MUST & Why people still don't buy it ?
This is w.r.t. Financial Planning & Awarness.
This focuses on a very very important instrument MEDICLAIM...and the attitude towards mediclaim of many people is "WE KNOW IT, BUT WE WILL BUY IT LATER".
[Q.1] Why it is a MUST ? [ANS.1]: All of us get up every morning, and come to work and after work go back to home.This process will be continued for atleast 30-35 years. Now as we travel to work (our job = Continuous speaking), again travel back home daily hence we are bound to fall ill someday or other......and sometimes get ADMITTED in Hospital too!! (Kindly do not get annoyed after reading 'HOSPITAL') .
So when you or a person of your family gets admitted in Hospital for treatment, then entire family gets griped in tension. Also the complete course of treatment is done as instructed by your Doctor and after the treatment gets over the family gets a BILL !! Which now makes the person paying BILL fall ILL :-)
In today's scenario...believe me in any Hospital the Treatment is seriously costly & even one visit to hospital for at least 5-6 days will make a hole in your pocket.
So whats the solution to problem...... [1.] Do not fall ill (good...but it is not in our hand) [2.] Buy a proper mediclaim policy [It is in our hand].
A mediclaim policy not only covers you, but it can cover your entire family (Parents,Spouse,Kids) in case of an unfortunate hospital admission and provides an excellent treatment in a good hospital with maximum reimbursement of bills.Hence the person admitted gets a new WILL....and the person paying BILL does notfall ILL !!!
Dear friends we all know the law of nature: LIFE IS UNCERTAIN...AND A MYSTERY. Hence buy a proper mediclaim and have PROACTIVE APPROACH. (Proactive = Getting ready for tackling problem even before it comes).
[Q.2] Why people still don't buy it ?
[ANS.2] (1.) I do yoga,meditation hence never ever i will fall ill. (2.) I do not want to WASTE money because I don't get anything in return. (3.) I always pray that I will never be admitted to hospital. (4.) Companies take your money, but reject your claim...see company X had rejected 5 claims out of 100. (5.) I don't believe in any kind of Insurance. (6.) Nobody told me...unless anybody tells me only then i will. (7.) I want to....but..."ABHI NAHI BAAD MEIN"...."TEY AATA NAKO...TEY MAAGH"
Dear friends....the list is endless, because only EXCUSES have Endless List.
Whats the solution then: Take Action...No postponing...Read...google mediclaim companies, call up people and do your homework for adequate cover for FULL FAMILY. BUY it and relax..it is as simple as that.
Some Companies I recommend personally: 1.] APOLLO-MUNICH 2.] STAR HEALTH 3.] ICICI LOMBARD GIC
Hence I would now conclude by asking : Now will you buy MEDICLAIM ??