When I started writing this article, I was purely thinking on practical lines, until a small incident took place last evening. There is an old couple (Mr. & Mrs Rao) in my neighbourhood whose children have all settled abroad for better career opportunities. I see them going for early morning walks, breakfast, late evening strolls with rest, etc. A delightful sight indeed!! Maybe all of us in this mobile era which to get stagnant like a few couples like them.
My morning coffee starts with a newspaper and a “Good Morning” greeting from this couple as they return from their walk. Last evening, as I returned from work, we had a small conversation. While I was inquiring about their well-being and other related things, they did express their concern about children not being around. Mr Rao said – “My son always says that dad you rest on my shoulders now, for I will take care of all your expenses and requirements.” Though he was proud that his son is well-settled, but there was some sort of dissatisfaction.
This morning I did not see them while I was sitting on the balcony with my cup of coffee. I paid little attention to it and got back to my routine. This continued for the second day; as well, and out of curiosity, I visited their house. I was surprised that Mrs Rao slipped that day night and is partially paralyzed. Such is the scenario of the current age that just staying a few houses away we do not know what’s going on in our neighbourhood.
While I was enquiring about her health, I did offer monetary help since his son was not around. Mr Rao smiled and said – “Now I know why my son said that though he was away we can rest on his shoulders.” He told me that they have a Health Insurance Policy; and hence, that came handy in such a critical situation.
Frankly speaking, I never thought of health insurance so seriously, but this incident forced me to get into the specifications of the same.
Benefits of Health Insurance:
- Cashless hospitalization
- Pre and post hospitalisation expenses
- A number of critical illness is covered
- Lifetime renewal
- Tax benefit
- 24/7 claim assistance
- Cashless hospitalisation across 4000+ hospitals in India
Apart from this, there are a number of different plans based on age group and family type. One can choose as per his/her need and requirement.
It’s after this episode that I choose a name for my article – “Rest on my shoulder…” Time is changing wherein the members of the family are scattered, and in such scenario having a few backups is important.
Well, what I can say from this incident is that there is nothing that can replace one being personally around in times of need. However, there has to means to replace your presence for the ones who were always there for you when you needed. Even if you can be around, health insurance is one such means which will help you carter to the needs of your dependants in case, of a medical emergency.
All I can say is that I want my dependants to rest on my shoulders even if I am not around. I plan for a health insurance… how about you??