HEALTH INSURANCE

HEALTH INSURANCE

HEALTH INSURANCE

HEALTH INSURANCE

What is health ?

  

Or a perfect health ?

Well, an individual can be seen as having good health if-

• if he is able to follow the basic instincts of life - ahaar, nidra, bhaya, maithuna - ie he is always at ease to comply with the basic natural instincts of food, sleep,survival and procreation.
• if he has ability to feel happiness and express happiness.
• he is not dependent on medicines.
• if he has a healthy mind.
• he is independent both mentally and physically.
• he has ability to engage himself in positive acts.
• he is able to help and support others.
• he is able to go to sleep in time and also able to get up in the morning as per his own decision.
• once having awakened in the morning does not simply spend time lying in the bed.
• is exercising his control to have mit ahaara and mit nidra ie optimum food intake and optimum sleep.

Here the age factor is not taken into consideration.

What is health insurance ?

The dictionary meaning is - insurance policy purchased for covering the  cost of medical care of the insured by the insurer during the coverage period.

Why health insurance is necessary?

Uncertainty of life plays important role in insurance business. One cannot take it for granted not to fall sick in life. No body can boast.

Similarly, there are chances, may be the most, to meet accidents (major or minor). In such events, and in case of sickness, expenses for medical treatment are very high and beyond the reach of an individual.  But it has to be met inevitably.

By opting for insurance coverage policy one can lead a stress free life in that the insurer guarantees to bear the portion of such medical expenses based on the policy terms for which a monthly premium is charged.

Why health insurance is necessary ?

Every one is concerned about the future of his loved ones and dependent ones after own sudden death or due to fateful and terminal disease.  By taking life  insurance policy one can have significant relief from stress in the mind and thus live a tension free life.

Why health insurance  is necessary ?

No body intends to fall sick, get hurt, meet accidents, and other such emergencies in life.  But nothing is predictable in life.  And in any such type of events, the expenses required to bear are huge - some times, even one's entire savings in life are not enough to meet such emergency expenses. In such eventualities, more huge amount of money has to be arranged.

The health insurance policy enables the insured ones to meet  huge expenses to tackle the undesired yet inevitable emergencies in life with comfort at the financial front.

Having health insurance policy is a significant step for an individual because everyone is seeking happiness in life.  And being tension free is first meaningful step towards that.

Why health insurance is necessary ?

Medical treatment being quite expensive, one is inclined to undergo various investigations, consultancies,  medicines and treatment even in cases of preventive care and early detection. Even one tends to avoid minor treatments in time which inevitably results in major and advanced stages of illness when it becomes unavoidable to bear the huge expenses.  Health insurance policy may facilitate to meet the expenses towards such as investigations like blood tests,x-ray investigations, the specialists' fees, hospitalization, post hospitalization expenses, expenses on medicines and so on.

In short, one can opt for preventive medical services and get the care needed to have good health and prevent illness having serious concerns. Also one can get early medical services for early diagnosis of serious medical condition as also avoid the situation when the illness gets very serious.

Such concern is more so in case of the individuals whose spouse is not an earning member of the family.

Why health insurance is necessary ?

We often hear from our family Doctors when we take our old parents for check-up the terms ageing. What they emphasize is the fact that ageing cannot be stopped.  If we take it seriously and consider duly, it will be revealed that yes, day by day one gets older.  As one gets older, the old age related  health problems have to faced.  What are these ?  Well, blood pressure, diabetes, joint pains and what not.  And for this, expenses towards health maintenance increase along with many more health disorders.  Thus, at old age, savings do not match with the expenses towards health maintenance.  At such crucial period, health insurance policy really becomes significant and meaningful. 

And this is the reason, many times old people remark, "Good God, I have had this health policy".

And such people do have that attitude of " Who is afraid of ageing ?"

And when one happen to come across aged happy person, the feeling of respect and to encourage the elderly dominates the mind. 

Why health insurance is necessary ?

1. Savings in entire life can be wiped out at once.
2. It is best instrument to work out retirement plan.
3. In certain countries, tax benefits are available.
4. Health insurance pays for the medical expenses met by the insured and 
5. Health insurance enables the insured to get timely treatment needed without facing financial burdens.

As it can be seen from the above, one will not differ from the fact why health insurance is necessary.

It is observed that an individual has more concern for his own  particular body part as the same is being applied by him in his career and therefore, as a further dimension of application of this significant instrument to be assured, he takes health insurance policy covering that particular body part at an eye-popping consideration. 

When I Googled, I came across the following interesting cases -

1. Cristiano Ronaldo - Legs insured for $ 195 million
2. Daniel Craig - fully body insured for $ 9.5 million
3. Kylie Minogue - Butt insured for $ 5 million
4. Julia Roberts - Smile insured for $ 30 million
5. Jeniffer Lopez - Butt insured for $ 27 million
6. Tom Jones - Chest hair insured for $ 6.8 million
7. Mariah Carey - Legs insured for $ 1 billion
8. David Beckham - Legs insured for $ 70 million
9. Gene Simmons - Tongue insured for $ 1 million
10. Kim Kardashian - Butt insured for $  21 million

If nature of their career is considered, well, such application of insurance coverage is quite rational and essential too !

And no doubt, the followers for whom the above celebrities are source of inspiration  must be getting inspired to go for health insurance.

Ultimately, it is the universal truth that man is seeking happiness, discover happiness, express happiness, share happiness to have that feeling of peace and serenity in daily life.

And you know what, having purchased proper health insurance, one can rest assured to live active and healthy life without any stress build up.

HEALTH INSURANCE- some shelter is there !

Now, regarding another important aspect of insurance ........

Next time ........