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“It
won’t happen to me” |
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We
often take our health for granted, not realizing that
with our hectic schedules and demanding lifestyles, chances
of health hazards have increased substantially. |
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We
think that when we are in our prime, we are quite safe
from any major illness and we need to be more careful
of our health only after 40 years of age. |
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However,
here are some worrisome facts that may make us think
again :- |
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30% of
people who have a Heart Attack are below the age of
40 and 66% of deaths today are because of Cardiovascular
diseases. |
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Almost
3.8 million people suffer from Diabetes today. |
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18%
of urban population suffers from Hypertension which
leads to Renal failure (kidney failure), Stroke and
Cardiovascular diseases. |
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Rising
Medical costs |
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This
is inevitable – Healthcare costs have increased
substantially over the years and will continue to do
so in the future. |
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Today,
a middle-level manager with a family of four, spends
between Rs.8000 - Rs.12000 a year on healthcare - compared
to just Rs.2000 in the late-1980s. |
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Break-up
of health costs |
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Most
people give most importance to the direct costs arising
out of hospitalisation and rightly so. But they tend
to ignore the indirect costs, like traveling, lodging
etc…, that can sometimes be as high as 35% of
the total expenses. This could create a huge dent in
savings.
Also, most people don’t consider loss of pay during
the hospitalisation which can have a crippling effect,
especially so for self-employed businessmen.
Therefore,
what you need is a Health plan that covers you against
critical illnesses, by providing the necessary financial
assistance to cover your direct as well as indirect
costs.
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Insurance is the subject matter of solicitation. ICICI Bank Limited is licensed by the IRDA to act as a Corporate Agent of ICICI Prudential Life Insurance Company Limited. The contract of insurance is between ICICI Prudential Life Insurance Company Limited and the Insured, and not between ICICI Bank Limited and the Insured. Participation by ICICI Bank's customers is on a purely voluntary basis.
The information contained herein is indicative of the terms, conditions, warranties and exceptions contained in the insurance policy. For further details, please refer to the product brochure and policy documents.
Health Assure: Product Code: T10.
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