Ignorance is bliss. Whoever came up with this phrase would have been talking in a philosophical sense. In the real world, ignorance is not an excuse. Want an example? CORONAVIRUS. This pandemic has cost the world more than any other tragedy or calamity in recent memory. The government and the people ignored early signs of the onset of the pandemic and India suffered. Worse, those who took precautions weren’t spared either.
India has lost nearly 4.2 lakh people due to coronavirus. Over 3 crore people have been infected till now and the months of April and May of 2021 brought the entire nation to its knees. It is difficult to put into words the gravity of the individual loss that we all have suffered. And yet, we are still not prepared.
The fight against coronavirus is a very personal one. There are things we can do to protect ourselves and our loved ones. And we are not talking about the regular masking up and social distancing. We are talking about health insurance.
Most people have been avoiding health insurance. The problem is that coronavirus has shown us how costly the treatment can get. Middle-class and upper-middle-class people cannot shell out Rs 15-20 lakhs at minute’s notice to pay the hospital bills. Hence, when you are dealing with a situation when your loved ones are fighting for their lives, money should not be the top concern that you have.
This is where a good health insurance plan comes into play. While the Insurance Regulatory Development Authority of India has made it compulsory for all the insurance policies to ensure Covid coverage, it must be kept in mind that this comes into effect after a waiting period, which could be as high as 15 days to one month of purchasing the policy. Simply put, if you get Covid within 15-30 days of purchasing the policy, the insurer will not cover the bill.
But, your simple health insurance plan is not enough. Covid in itself is a lung disease. However, it brings several other complications. Your base plan worth Rs 5-10 lakh may not cover the treatment for all complications that Covid will bring. Hence, you need a solid super top-up. A super top-up can add on more coverage to your base cover at an affordable rate. It can really help you meet the health expenditure. When you combine the base plan and a super top-up, you have the liberty to feel secure from a financial standpoint. We at Caterpillar, will be there to help you do exactly that.
However, there are a few more things to consider. You don’t have time to mull over buying a health insurance plan. Although Covid cover starts after 15-30 days of purchasing the plan, there are some diseases covered only after a defined waiting period after buying the policy. This could be anywhere between one and four years. As we have seen that Covid brings several post-recovery complications, it is necessary for you to buy a plan as soon as possible and stay safe and secure.
Since March of 2020, Covid has shown us that it is too unpredictable and tough to beat. It is an invisible enemy. Still, we have a responsibility towards ourselves and our families. We need to protect ourselves and our loved ones. That can only happen if we give up our old-fashioned thinking and embrace the concept of health insurance. At Caterpillar, we are here to help you with just that. Life is priceless and keeping it safe will not cost you much. Come to us for healthy advice and let us help you protect your families. All you have to do is pick up that phone and call us at 8178271045 and we will take care of the rest.