Why health insurance?

Can you predict the future??

q  Are you accident proof??

q   Do you feel you will never fall sick??

q  Do you have an emergency fund of 3 to 5 lakhs rupees??

q   In case you don’t have an emergency fund what options do you have??

q   

A look at treatment costs in India for major diseases??

Treatment	Cost in (Rs)
Angioplasty	Rs 2, 00,000 to Rs 3, 00,000
Open heart surgery	Rs 2, 50,000 to Rs 4, 50,000
Liver transplant	Rs 40, 00,000 to Rs 80, 00,000
Kidney transplant	Rs 10, 00,000 to Rs 30, 00,000
Hernia surgery	Rs 30,000 to Rs 60,000
Chemotherapy for cancer	Rs 7000 to Rs 10000 per session
Hip replacement  surgery	Rs 4, 00,000 to 8, 00,000

The above mentioned costs are approximate costs which may vary from hospital to hospital

 In absence of adequate health insurance in case of serious illness and hospitalization what are the options available?

1. Spend from savings

2. Sell property

3. Borrow from relatives

4. Borrow from financial institutions at high interest rates

   Nobody can predict the future

  But everybody can prepare for the unexpected

Health insurance can ensure that you get the best treatment in case of unexpected illness or accident and at the same time ensure that you don’t have to break your hard earned savings.

How much will it cost?

 For a 30 year old person a health insurance cover of 5 lakhs individual or family floater would come to approximately Rs 20/- per day

Note: Premium will vary depending on the age group

Still thinking?