স্বাস্থ্য বীমাৰ জৰুৰী প্ৰয়োজনীয়তা: প্ৰতিটো পৰিয়ালৰ বাবে এক জাগৰণৰ আহ্বান

In today’s world, we insure our vehicles, homes, and valuable goods without a second thought. Yet, when it comes to our own health—the most precious asset—we tend to ignore the need for health insurance. Many families see it as an unnecessary expense, failing to realize that a single medical emergency can wipe out their entire life savings.

The Cost of Ignorance

Health emergencies are unpredictable. A sudden hospitalization due to an accident or illness can cost anywhere from ₹50,000 to several lakhs. While people hesitate to spend ₹1,000–₹2,000 per month on health insurance, they fail to recognize that a single hospitalization can cost them 10–20 years of savings.

Common Traditions About Health Insurance

1.      “I am healthy; I don’t need insurance.”

o    Health issues and accidents do not come with a warning. Insurance ensures financial security when the unexpected happens.

2.      “It is too expensive.”

o    A good family health insurance plan is available for as little as ₹1,000–₹2,000 per month. That’s less than what many people spend on dining out or entertainment.

3.      “Government hospitals are free.”

o    While government hospitals provide medical aid, they are often overcrowded, lack advanced facilities, and may not always provide timely treatment.

How Health Insurance Protects You

Covers Medical Expenses:

o    Hospitalization, surgeries, ambulance charges, and even daycare treatments are covered.

Protects Savings:

o    Instead of spending lakhs on medical bills, your insurance takes care of it, allowing you to use your savings for your family's future.

Cashless Treatment:

o    Many policies offer cashless treatment at network hospitals, reducing stress during medical emergencies.

Tax Benefits:

o    Premiums paid for health insurance are eligible for tax deductions under Section 80D of the Income Tax Act.

When Should You Buy Health Insurance ?

The best time to get health insurance is NOW. The younger and healthier you are, the lower your premium will be. Waiting until illness strikes will only lead to higher costs or rejection of coverage due to pre-existing conditions.

Conclusion

We insure our vehicles because the law mandates it. But what about our lives? If we truly care about our family’s well-being, investing in health insurance is not a choice—it is a necessity. Don’t wait for a medical emergency to understand its importance. Act today and secure your family’s future.

Call to Action

Take a step today. Compare policies, choose the right health insurance, and ensure a worry-free future for your family!

 Mandate Health Insurance for Individuals Like Vehicle Insurance