Do you ask yourself: why do I need to buy a health cover? I’m healthy, I never fall sick, and I have plenty of money to spend on medical care if needed. Talk to any financial planner today and they’ll ask you to buy a health insurance cover for yourself and your loved ones.
But you don’t feel the need, right? Guess what, you’re among 80 per cent of the Indian population that’s not covered under any health insurance. And now you won’t feel left out any longer. To make you happier, here are five reasons why you really don’t need to worry about buying health insurance
1. Money Is Not Important To You
Who cares about luxuries in life, like traveling to an exotic foreign destination or staying in a five-star hotel to celebrate your wedding anniversary?
With health care costs on the rise—witnessing an inflation of 15 per cent to 20 per cent—you don’t mind out-of-pocket expenses. Even if a serious health condition affects you, you can pay for your costly treatment.
2. You’re Not Fond Of Life
You squirm when anyone says, “you're going to live a long life”. The only way THAT’s gonna happen is if you gave up fun habits like smoking and excessive drinking.
You’re aware that smoking contributes to almost 90 per cent of lung cancer deaths, but being part of the cool crowd is too good to give up. Since you’re already looking forward to a kickass life six feet under, you don’t want to invest your money in a cancer care plan with an insurer like HDFC Life, which offers cancer cover for smokers too.
3. Your Family Has Your Back
You are a cherished member of the family. And they will do anything and spend any amount of money it takes to keep you alive. Your health problems are not a financial burden for them. Your family is so strong that they can fight all odds, even inflation, to bring you back from the claws of death.
4. You Love Paying Taxes
Saving taxes feels like the worst form of punishment for you. Any tax benefits you may enjoy under Section 80D of the Income Tax Act, such as saving almost Rs 25,000- Rs 30,000 per annum on opting for a Health Insurance, are of no concern to you. After all, who wants extra money? No, thank you.
5. You’re A Daredevil Who Can Get Away With Anything
You’re a braveheart who believes in showing his daredevilry- by attempting to drive on the wrong side of the street, pretending to be a superhero, or impersonating your boss as he stands behind you- assuming you’d get away with it. Even when it comes to grave diseases like cancer and diabetes or life-threatening road accidents, you think wearing a cape is going to help save your life. Why would you need health insurance, when your new favourite spot is not your couch but a coffin instead?
But for those poor souls who do believe in buying a health insurance cover to protect their loved ones and themselves, there are plenty of insurers in the market today - like HDFC Life - that have policies to meet every individual’s need. You can buy a policy either through the company’s insurance agent or on the insurer’s website. Insurance plans of every type can now be easily bought online; they are cheap, convenient and easy to understand. Even if you’re unsure of which plan to purchase, E-agents will guide you efficiently making the whole process quick and seamless.
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