The two main types of insurance that people buy all over the world are insurance of life and insurance for hospitalization and surgery. With the growth and the development of the Indian economy and society, healthcare is becoming a prominent shared goal and responsibility of the state and the citizens.
Hospitals and primary healthcare centers were few and far between when the British were exploiting India for two centuries. Ever since we won independence and took over the reins of governance in the Year 1947, we have built hospitals all over the country in both the public and the private sectors.
National Insurance mediclaim renewal is a critical date in your annual calendar that you just cannot afford to miss.
Increased Life Spans
Ever since the advent of antibiotics and our understanding of the germ theory of disease, people are living longer than ever before. Vaccinations have been invented which are administered from birth till the time that one is an adolescent and a young adult.
However, the genetic legacy of our species also ensures that bodies start moving towards decay, disease and death from middle age till the time we pass away usually between our 70s to 90s.
Our life expectancy depends on how well-to-do we are financially and how healthy our genes are. Our life span depends on the income group that we belong to as well as the life span of our grandparents, great grandparents and parents.
Insurance As A Great Leveller
One equalizing and democratizing factor is now available on the market in the form of National Insurance mediclaim renewal. Even if we belong to the middle-income category or a low-income category in society, as long as we make it a point to invest a decent amount in annual National Insurance mediclaim renewal, we will be well-protected in times of medical emergency.
Another reality that you need to keep in mind is the escalating cost of quality healthcare in India. Private sector players in healthcare often charge unaffordable and usually astronomical amounts for hospitalization and unavoidable surgeries.
The sad reality is that the state has not been able to invest as much as was needed to provide quality healthcare in government hospitals. The wait for necessary surgeries is agonizingly long, and the standards of hygiene and comfort are often not at the level that many people would be comfortable with.
In such a situation, one is left to one’s own devices. To ensure that you do not erode your wealth on hospitalization and surgeries for yourself and for the members of your family, you need to ensure that you pay your National Insurance mediclaim renewal annual premium on time.
In case you happen to be without mediclaim cover for even a day, no one can guarantee that a medical emergency will not strike on that very day. It is in the nature of random chance that a crisis of any nature can strike any day whatsoever. Customers who are wise and responsible make it a point to pay their National Insurance mediclaim renewal on time.
New Disease Germs Proliferating In The World
With the eradication of much biodiversity over the last century and the control that we are gaining over many diseases and microbes, many new forms of diseases like swine flu and bird flu are now afflicting human beings.
The provision of public health, hygiene and the prevention of diseases are dynamic and moving public goals. As customers, we need to ensure that we pay our National Insurance mediclaim renewal premiums on time.
It makes eminent sense to purchase bundled family mediclaim plans. Such plans cover both parents as well as dependent children.
Injuries That Lead To Hospitalization
Hospitalization need not be necessitated only by illness. It is also possible for injuries to land one in the hospital and in the surgical wards. If you have paid your National Insurance mediclaim renewal on time, you and your family members will also be covered in case of injuries that may lead to hospitalization.
Overseas Travel Mediclaim Cover
It is advisable for you and your family members to be covered by mediclaim when you travel overseas on business or pleasure. Given the difference in the values of different global currencies (say the U.S. Dollar versus the Indian Rupee) and the Dollar or Euro-linked costs of hospitalization and healthcare abroad, it can lead to serious erosion of your wealth in case you do not purchase mediclaim when you travel abroad.
Also Visit: Why Renew Your Policy of National Insurance Company Online?
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