Wednesday, 6 January 2016

Because life is unpredictable so plan wisely

It is said that the only constant in life is change. This is especially true of the state of our health. While outwardly we may appear to be in good health, we are unaware of a disease spreading its tentacles all over our body. Sadly, most serious illnesses only come to light once they have truly settled in the body. What we think is a routine doctor’s visit turns out to be the worst news possible.

This is exactly what happened with Suresh Poddar* (47), a businessman in Gujarat. “I used to work late nights and travel frequently for my business. I began to get severe headaches. Sometimes they would go away after a good night’s sleep. But then the headaches became a constant factor, with blurry vision. I panicked when I blacked out in office one day,” he explains.

critical illness insurance plan
critical illness insurance plan

His doctor ran a series of tests and asked him to go for an MRI. “Till this point I thought it was probably a migraine or sinus issues. When the MRI report came, my doctor told me I had a brain tumour. It was the worst moment of my life,” he remembers.

However, he rallied around quickly for the sake of his family. “There was no time to feel depressed. I immediately called up my insurance broker and told him of my predicament. He visited me and gave me the first bit of good news I had heard since the test results – the health insurance I had taken had a critical illness cover.”

Suresh underwent an arduous surgery to remove the tumor, but unfortunately, it was found to be a malignant cancerous growth. “I know that I am living on borrowed time,” he explains. “Cancers never really go away, and remission can happen at the most unexpected time. But at least my family has never suffered due to my illness. My critical illness insurance plan has paid for my tests, surgery and hospitalization. Though I am relatively healthy now, I am prepared to face whatever comes next.”

He has since taken a critical illness insurance plan also for his wife, Medha*. “After I am gone, my children will be wholly dependent on her. I have kept aside sufficient money for her to run the house and even pay the premiums for the policy. If, God forbid, she also suffers from a serious illness in the future, her medical expenses will be taken care of,” he reasons.

Suresh’s story is an important testament to the power of critical illness insurance. Every person must purchase this plan, whether or not they ever need it. 

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