MEDICLAIM POLICY: Why it is a MUST & Why people still don't buy it ?

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 ??

HAPPY INVESTING & GOOD HEALTH

-Anup Dhannawat

 

[Simran Rai]

Anup Dhannawat’s article offers a timely and practical perspective on the importance of mediclaim as a non-negotiable part of financial planning. While many acknowledge the necessity of health insurance, procrastination, myths, and overconfidence often delay actual action. In a world where healthcare costs are rising rapidly, a single hospitalization can destabilize even a well-managed budget. Mediclaim acts as a financial shield, protecting not just an individual but the entire family from medical expenses that arrive unannounced. Despite this, people often rely on optimistic assumptions—believing good health habits or positive thinking will prevent illness—while ignoring the unpredictability of life. The article rightly identifies that a proactive approach, rather than reactive regret, is key. By securing a mediclaim policy early, families ensure access to quality treatment without the added burden of financial stress. The excuses listed mirror common societal attitudes, but the solution is refreshingly simple: research, select a suitable plan, and act without delay. With trusted companies like Apollo Munich, Star Health, and ICICI Lombard offering reliable options, the barrier to entry is lower than ever. The real message is clear—don’t wait for illness to teach the value of insurance. Invest in mediclaim now for peace of mind and financial safety.​