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It is the aim of all of us to lead a long and illness free life. Today this has become possible thanks not just to Medical Technologies that are able to identify and effectively treat many diseases but also because a great deal of knowledge has become available on how healthy lifestyles can help us live longer. Healthy living, getting plenty of exercise, eating right and leading a stress free life are to a large extent responsible for increasing life spans.
But still there is need to have a health insurance cover to take care of your healthcare in time of medical exigencies.
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Why Health Insurance is a must?
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Today each of us is subjected to high levels of stress. Long hours at work, little exercise, disregard for a healthy balanced diet and consumption of junk food have weakened our immune systems and put us at an increased risk of contracting minor and critical illnesses. |
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Some shocking statistics:
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- 18% of the urban population suffers from hypertension, which leads to renal failure, stroke and cardio vascular diseases
- 30% of the population suffers heart attacks before age 40
- 66% of deaths today are due to cardio vascular diseases
- Almost 3.5 million Indians suffer from diabetes
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Inspite of this, ironically we do not insure our health. However we do readily insure our home, vehicle, children's education, and even our retirement years. We turn a blind eye to the fact that illnesses can strike without warning and seriously impact our finances in the absence of a good health cover.
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Health is wealth. That is old wisdom. In today’s world, the corollary holds good too - if you lose your health, your wealth will melt away too. Your treatment can be a major drain on your resources and can leave you financially crippled. With healthcare costs rising at more than 15% a year, it’s imperative that you should try to guard against such a risk. Given the increasingly stressful lifestyles, even the young are prone to illnesses such as heart attacks. A health insurance provides adequate protection against such medical exigencies. |
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In recent times medical breakthroughs have resulted in cures for serious illnesses. But unfortunately these cures are available only to a select few who have the funds and the resources for treatment. Indirect sources of expense—travel, boarding and lodging, and even temporary loss of income—account for as much as 35% of the overall cost of treatment. Most often, we overlook this fact when planning for medical expenses. |
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