This document discusses the importance of selecting the right medical insurance plan for individuals and families. It outlines several factors that should be considered when choosing an insurance plan, such as health conditions, age, family size, location, and benefits offered. The document emphasizes that consulting insurance advisors is important to identify plans that adequately cover needs based on personal circumstances while providing value.

1. Pohn-X-¯n mw ]e-X-c-¯n-epÅ dnkv¡p-Isf A`n-ap-Jo-I-cn-t¡-−-Xmbn ht¶-¡mw. A]-I-S-
§Ä, amc-I-tcm-K-§Ä, AXym-ln-X-§Ä, {]IrXn Zpc-´-§Ä F¶nh CXn {][m--s¸-«-h-bmWv.
C¯cw kμÀ`§Ä D−m-Ip-t¼mÄ ap¡pw IpSpw-_-¯npw I¯ km¼-¯n-I--ã-§Ä D−m-
hp-¶p. kwc-£-W-Im-cy-§-fn C³jp-d³knsâ {]m[myw hfsc hep-Xm-Wv. CXv a-Ên-em¡n
bYm-k-abw C³jp-d³kv ]²-Xn-IÄ Xnc-sª-Sp¯v kpc-£n-X-cm-bm `mhn-bn kw`hn-t¨-¡m-
hp¶ Iã--ã-§Ä aqe-apÅ km¼-¯nIã-§Ä Hgn-hm-¡m-m-hpw.
Hcp tcmKn¡v tcmKw nÀ®bw S¯n NnIn-Õm-hn-[n-IÄ S-¸n-em-¡pI F¶-t]mse A{Xbpw
{]m[m-y-apÅ H¶mWv Hmtcm IpSpw-_-¯n-sâbpw kwc-£-W-Im-cy-§Ä Xocp-am-n-¡p-¶-Xpw. Imc-
Ww, Hmtcm IpSpw-_-¯n-sâbpw Bh-iy-§fpw dnkv¡p-Ifpw ]e hn[-¯n-em-b-Xp-sIm-−mWv
C§s kw`-hn-¡p-¶-Xv. Hcp IpSpw-_-¯nsâ sam¯w BkvXn, hcp-am-w, _m[y-X, IpSpw-_mw-K-
§-fpsS F®w, sXmgnÂ, {]mbw F¶n-§s Ht«sd Imcy-§sf tImÀ¯n-W¡nsIm−m-hWw
C³jp-d³kv t]mfn-kn-IÄ GsX-Ãm-sa¶pw Ft¸mÄ thW-sa¶pw Xocp-am-n-t¡-−-Xv. am{X-a-Ã,
hnhn[ I¼-n-IÄ hmKvZmw sN¿p¶ t]mfn-kn-I-fnse dnkvIv IhÀ, IhÀ sN¿m¯ dnkv¡p-
IÄ, aäp n_-Ô--IÄ F¶nh Xmc-Xayw sN¿pI F¶Xpw {]bm-k-apÅ Hcp Imcy-am-Wv. F{X-
sbms¡ Ap-tbm-Py-amb t]mfnkn FSp-¯mepw Hcp s¢bnw D−m-bm AXv XoÀ¸m-¡p¶
coXn, ka-bw, Ap-_Ô tkh--§Ä F¶nh Gähpw ]c-a-{]-[m--amb H¶m-Wv. AXn-m apI-
fn sImSp¯ Imcy-§-fn-seÃmw Xocp-am--sa-Sp-¡p-t¼mÄ Hcp C³jp-d³kv s{]m^-j-W-ensâ
hnZ-Kvt[m-]-tZiw tXSp-¶-Xm-bn-cn¡pw D¯-aw.
hn]-Wn-bn n¶pw, hn]-W--¡m-cn n¶v ]e-hn[ t]mfn-kn-IÄ hm§n A_²w ]än-b-h-
cmWv ½-fn Gsd-t]-cpw. H¶p-In Bsc-¦nepw nÀ_-Ô-]qÀhw t]mfnkn Gev]n-¡p-I-sbm,
AsÃ-¦n mw kzta-[bm ]cn-an-X-amb Adnhpsh¨v t]mfnkn hm§p-Isbm sNbvXn-«p-−m-hmw.
Cu c−p kml-N-cy-¯nepw mw Hcp kwXr-]vX-cmb DS-a-I-fmbn amdp-¶nà F¶-XmWv kXyw.
k¼mZyw hÀ²n-¡p-¶-Xn-mbn ]ecpw C³jp-d³kn nt£-]n-¡m-dp-−v. ]s£ kwc-£-W-
¯n-mWv C³jp-d³kn {]m[myw sImSp-t¡-−-sX¶v ½-fn F{X-t]À {i²n-¨n-«p-−v.
sse^vdnkv¡v am{Xw IhÀ sN¿p¶ ap¡v Ap-tbm-Py-amb hnhn-[-Xcw tSw¹m-p-IÄ Ipd-ª-
n-c-¡n C¶v hn]-Wn-bn e`y-am-Wv. Ch GsX¶pw F{X-t¯mfw thW-sa¶pw hnhn[ I¼-n-
I-fpsS ¹mp-IÄ Xmc-Xayw sNbvX-tijw thWw Xocp-am-n-¡m³. C³Iw-SmIvkv Bp-Iqeyw
sk£³ 80 kn {]Imcw e`y-am-hp¶ t]mfn-kn-bm-Wn-Xv.
Hcp IpSpw-_-¯nv Gähpw Bh-iy-amb t]mfnknbmWv ^manen sl¯v t]mfn-kn. Akp-
Jw, A]-ISw Ch-aqew D−m-tb-¡m-hp¶ NnIn-Õm-Nn-e-hp-IÄ IhÀsN-¿p¶ t]mfn-kn-bm-Wn-Xv.
55 hb-Ênp ap¼v t]mfnkn FSp-¡m³ sshZy-]-cn-tim-[ Bh-iy-an-Ã. 4hÀjw XpSÀ¨-bmbn
t]mfnkn FSp-¡p-t¼mÄ ne-hn-ep-−m-bn-cp¶ Akp-J-§Ä¡pw NnIn-Õm-Nn-ehv e`y-am-Ipw.
sk£³ 80Un{]-Imcw C³Iw-SmIvkv Bp-Iqeyw e`y-am-hp¶ t]mfn-kn-bm-Wn-Xv.
A]-I-S-§Ä hÀ²n-¨p-h-cp¶ C¶s¯ Ime¯v A]-I-S-C³jp-d³kv t]mfn-kn-bpsS {]kàn
hfsc hep-Xm-Wv. saUn-¡Â ]cn-tim-[ Bh-iy-an-Ãm¯ ]e-hn[ t]mfn-kn-Ifpw C¶v ne-hn-ep-

2. −v. 18hbÊp apX 70 hb-Êp-hsc {]mb-ap-ff hcp-am--apÅ GsXm-cmÄ¡pw 5e£w apXÂ
3tImSn cq]-h-sc-bpÅ t]mfn-kn-IÄ C¶v hn]-Wn-bn e`y-am-Wv. Ipd-ª-{]o-anbw nc-¡nÂ
Ht«sd dnkv¡p-IÄ IhÀ sN¿p¶ Cu t]mfnkn Hcp IpSpw-_-¯nse hcp-am--apÅ c£n-Xm-
¡sf Dt±-in¨v nÀ½n¨ t]mfn-kn-bmWv hnhn[ I¼-n-I-fpsS t]mfn-kn-IÄ Xmc-Xayw sN¿p-
Ibpw ap¡v Ap-tbm-Py-am-bh Xnc-sª-Sp-¡p-Ibpw sNbvXn-sÃ-¦n mw hnNm-cn¨ {]tbm-Pw
e`n-s¨-¶p-h-cn-Ã.
hoSnp ho«p-]-I-c-W-§Ä¡pw mw [mcmfw ]Ww Nne-h-gn-¡p-¶p. ]s£ hoSpw ho«p-]-I-c-W-
§fpw mw bYm-hn[n kwc-£n-¡p-¶ps−m? 98 iX-am-w- t]À kwc-£n-¨n-«nà F¶-XmWv kXyw.
Ipd-ª-Nn-e-hn ZoÀL-Im-e-kw-c-£Ww ÂIp¶ tlmw C³jp-d³kv t]mfn-kn-IÄ C¶v nehn-
ep-−v. Xo]n-Sp-¯w, If-hv, {]Ir-Xn-Zp-c-´-§Ä apX-emb Hcp Uk-n-tesd dnkv¡p-IÄ IhÀ
sN¿p¶ t]mfn-kn-IÄ Ipdª nc-¡n e`y-am-hm³ hnhn[ I¼-n-I-fpsS t]mfn-kn-IÄ Xmc-
Xayw sNbvtX FSp-¡m-hq.
hmlw C³jpÀ sN¿p-t¼mÄ Gä-hp-a-[nIw {i²n-t¡-−Xv Hcp A]-I-S-ap-−m-bmÂ
Iymjvsekv Bbn hmlw dn¸-bÀ sN¿pI F¶-Xm-Wv. c−m-a-Xm-bn, tXbvamw IW-¡m-¡msX
s¢bnw ÂIp¶ t]mfnkn FSp-¡pI F¶-Xm-Wv. CXn-p-]p-d-sa, hml--C³jp-d³kn e`y-amb
tm s¢bnw t_mWkv, UnkvIu−v F¶nh F{X-t¯mfw ÂIp-¶p-s−¶pw a-Ên-em-¡-Ww.
à tkhw ÂIp-¶Xpw Ipdª {]oanbw nc¡v e`y-am-hp-¶-Xnpw hnhn[ C³jp-d³kv I¼-
n-I-fpsS {]oanbw Xmc-Xayw sN¿-Ww. CXn-¶mbn C³jp-d³kv hnZ-Kv[-cpsS A`n-{]mbw Bcm-bp-
¶-XmWv D¯-aw.
Hcp IpSpw-_-¯nv Bh-iyw-th− t]mfn-kn-I-fmWv apI-fn sImSp-¯n-cn-¡p-¶-Xv. Ch
GsX¶pw, F{X-t¯m-fw, GXp-k-a-b¯v F§ns F¶p Xocp-am-n-¡m³ klm-bn-¡p-I-bmWv
Fbnw-kn-eqsS n§Ä¡v e`y-am-hp-¶-Xv. CXp-Iq-SmsX ne-hn-epÅ t]mfn-kn-bpsS hnh-c-§Ä
ÂIn-bm Ah-sb-¡p-dn¨v Ah-tem-Iw sNbvXp-X-cp-¶p. ne-hn-epÅ t]mfn-kn-I-fnse s¢bnw
kw_-Ôn-bmb {]iv-§Ä Ds−-¦n AXnv ]cn-lmcw Is−-¯p-¶-Xnv n§sf klm-bn-¡p-
Ibpw sN¿p-¶p. Npcp-¡n-¸-d-ªmÂ, C³jp-d³kv kw_-Ô-amb GXp Imcy-§Ä¡pw Hcp GI-
Pm-e-I-kw-hn-[m--ambn n§Ä¡v Fbnw-kns kao-]n-¡mw. hnZ-Kv[-cmb Bfp-I-fpsS D]-tZiw
n§-fpsS `mhn kwc-£-W-Im-cy-§Ä¡v Hcp klm-b-l-kvX-am-bn-cn-¡pw.
Fbnwkv C³jpd³kv t{_m¡n§v I¼n : XrÈqÀ BØmambn {]hÀ¯n¡p¶Xpw
sF.BÀ.Un.F. AwKoIrX t{_m¡n§v I¼nbmWv Fbnwkv. tIcf¯np ]pdsa XangvmSv,
IÀWmSI F¶nhnS§fnepw I¼n {]hÀ¯n¨p hcp¶p−v. dnkvIpIsf Ipdn¨v ]Tn¡pIbpw
AptbmPyamb t]mfnknIÄ Nn«s¸Sp¯pIbpw sN¿p¶p. nehnepÅ t]mfnknIfnÂ
A]mIXIÄ Ds−¦n AXv Is−¯pI, icnbmb t]mfnknIÄ XmcXayw sNbvXv ip]mÀi
sN¿pI, s¢bnw D−mbm AXn CSs¸«v XoÀ¸m¡p¶Xnv klmbn¡pI F¶nhbmWv
{][m tkh§Ä. C³jpd³kv kw_Ôamb GXp Imcy§Ä¡pw Hcp GIPmeI
kwhn[mambn Fbnwkv {]hÀ¯n¡p¶XmWv.