In India, the festival of lights- Diwali is known for the celebrations, firecrackers and the good vibes it brings along with it. Since eternity, lights, parties, foods, meeting friends and relatives have been an integral part of the Diwali celebrations. And of course, the festival is incomplete without gifts!!
So, what do you plan to gift your loved ones this Diwali? Is it some designer dress, gadget, jewellery, or some other high priced fancy item? How about gifting your family and loved ones with some useful and sensible gift? How about purchasing a health insurance policy for your complete family as a Diwali gift this year? Especially in 2020 when coronavirus pandemic has shaken all of us from the very roots. The importance of health insurance cannot be undermined and what better time can it be to gift your family a Diwali Special Gift Family Health Plan?
The Importance of Health Insurance for Your Family
Good health is said to be the biggest asset in one’s life. However, you should constantly keep working towards having healthy habits and maintaining a good lifestyle. You must also keep in mind that life is highly unpredictable and you can have some unpleasant surprises at any point in life. For instance, a fatal injury during the festival of Diwali can be an unpleasant incident causing both physical and financial losses.
So, it would be really good if you are prepared for the consequences in advance. A health insurance policy can help in ensuring the financial security of your loved ones during the times of the festival.
Why is a Health Insurance Plan Imperative for this Diwali?
The major causes which make buying a health insurance plan crucial during Diwali are:-
Adverse Effects of Pollution
During Diwali, the level of air pollution is too high across the entire country. The fireworks and lights emit a huge amount of pollutants into the atmosphere which is enough to cause several air-borne diseases. During Diwali, the concentration of pollutants like Nitrogen Dioxide, Sulphur dioxide, Carbon monoxide, Particulate Matter, etc. increase in the air. These pollutants are highly hazardous and can cause serious diseases especially among children and elderly people.
Some of the major diseases caused due to the ill-effects of pollution during Diwali are:-
- Asthma
- Lung diseases
- Acute coronary events
- Skin related problems
- Heart-related ailments
The Risk Associated with Fireworks
During Diwali, there are several risks associated while you are enjoying the fireworks even. Every year in Diwali, there are several accident cases of burns and severe other injuries are being reported. The serious injuries caused by the explosion of the firecrackers can require hospitalisation and a longer duration of treatment at times.
Festive Delicacies
In our country, Diwali or for that matter any festival is incomplete without food and delicacies. There can be instances when the consumption of excessive sweets and fried foods can cause various health disorders. There can be gastrointestinal diseases, a rise in cholesterol levels, diabetes, and many other illnesses due to unchecked consumption of the festive delicacies.
In all these adverse conditions, you will be facing physical as well as mental distress too. You would certainly not want a financial emergency to occur in such critical times. So, a good health insurance policy can help you in providing financial cover against the medical expenses incurred so that you can focus on your well-being without any stress.
Selection of the Best Health Insurance Plan
There are huge options for health insurance plans available and it is a tricky task to choose the best health insurance plan. You can prefer purchasing an individual health insurance plan if you are single and are planning to gift yourself with a sensible item. However, if you have a family, you can prefer purchasing a Family Floater health insurance plan.
In a family floater health insurance plan, the sum insured can be shared amongst the members of the family. The premium for the family floater health insurance would be less as compared to the individual health insurance policies taken for each member of the family. You can include your spouse and kids into the plan; however, it is advisable to opt for individual health insurance for your aged parents rather than including them into the floater plan.
While choosing the right health insurance policy for yourself or your family, you must keep the below-mentioned points in mind.
- The sum insured of the health insurance policy should be high so that there is adequate coverage for any illness or injuries happening during the festive season.
- The insurance provider has network hospitals hence it would be easier for you to avail of the benefits of cashless hospitalisation.
- The premium should be nominal and maximum coverage should be provided by the chosen health insurance plan.
- Availability of riders for customizing the health insurance plan as per your requirements.
Conclusion
So, you might stay very cautious and avoid using crackers during this Diwali but the probabilities of an accident cannot be ruled out. It is wiser to take precautions and be prepared for the occurrence of any unexpected incident. Hence, avoid luxurious gifts and even those gifts which can harm the environment; rather say yes to a health insurance policy for yourself and your family.
