The document discusses the importance of health insurance. It notes that medical costs for major diseases and surgeries like angioplasty, open heart surgery, or cancer treatment can range from tens of thousands to hundreds of thousands of rupees. Without adequate health insurance, options for paying these costs in case of serious illness include spending savings, selling property, borrowing from relatives or financial institutions at high interest rates. The document argues that for about 20 rupees per day, health insurance can ensure access to the best treatment without depleting hard-earned savings or taking on high debt.

1. Why health insurance?

2. Can you predict the future??

3.  Are you accident proof??
 Do you feel you will never fall sick??
 Do you have an emergency fund of 3 to 5
lakhs rupees??
 In case you don’t have an emergency
fund what options do you have??

4. A look at treatment costs in India for major
diseases??
Treatment Cost in (Rs)
Angioplasty Rs 2, 00,000 to Rs 3, 00,000
Open heart surgery Rs 2, 50,000 to Rs 4, 50,000
Liver transplant Rs 40, 00,000 to Rs 80, 00,000
Kidney transplant Rs 10, 00,000 to Rs 30, 00,000
Hernia surgery Rs 30,000 to Rs 60,000
Chemotherapy for cancer Rs 7000 to Rs 10000 per session
Hip replacement surgery Rs 4, 00,000 to 8, 00,000
The above mentioned costs are approximate costs which may vary from hospital to
hospital

5. In absence of adequate health insurance in
case of serious illness and hospitalization
what are the options available?
1. Spend from savings
2. Sell property

6. In absence of adequate health insurance in
case of serious illness and hospitalization
what are the options available?
3. Borrow from relatives
4. Borrow from financial institutions at high interest rates

7. Would you like to compromise on good
treatment or postpone the treatment because of
lack of money?

8. Nobody can predict the future
But everybody can prepare for the
unexpected
Health insurance can ensure that you get the
best treatment in case of unexpected
illness or accident and at the same time
ensure that you don’t have to break your
hard earned savings.

9. How much will it cost?
For a 30 year old person a health insurance
cover of 5 lakhs individual or family floater
would come to approximately Rs 20/- per day
Note: Premium will vary depending on the age
group

10. Still thinking?
Don’t forget the greatest benefit -
Peace of mind