Thursday 28 January 2016

Are you battling ‘big city stress’?

health insurance
Long hours at work, not enough avenues for recreation and lack of finances to take frequent vacations can cause untold stress.

Life in the big cities is fast, expensive and rewarding. That is, if you ignore the other stresses that come with this lifestyle. There is certainly a lot of money and exposure to the good things in life in the cities. But they come at a cost – to earn the money one makes, one has to put in long hours at the office, complete pending projects over the weekends and make do with fitful sleep during the week.

It seems like in the race to reach the top of the proverbial ladder, one must sacrifice everything – time with loved ones, good health, sleep, healthy food, sufficient rest, hobbies and recreation – to make money. It is an inevitable tangle one gets enmeshed in: the more money you need to make, the more you must work. With living costs and the price of real estate very high in the cities in India, it is imperative for a person to put in all the hours at his disposal to make enough money to run the household comfortably.

Then there are other costs to pay: children’s school tuition fees, picnics, extra-curricular projects, higher education fees, wedding expenses, etc. At a personal level, too, there are costs of medical treatment, house renovation, occasional holidays, parents’ expenses, etc. to finance. All of this takes a lot of money, and to earn it and keep your loved ones happy and content, you are willing to go the extra mile and explore more avenues for income.

But all of this takes a toll on your health. The combined stress of overwork, lack of sleep, lack of rest and lack of sufficient finance is called ‘big city stress’ and most people living in the cities suffer from it. It can scupper your best-laid plans: a sudden stress-induced illness can stop you from working, or an undiagnosed malady may impose a recuperation period on you. Do you have the financial wherewithal to stop working for a while and still keep the house running as usual? Or is there another source of funds needed to take care of your medical treatment?

That source of funds is health insurance in India. The best health insurance you take can save your precious savings for other causes in your life. In the event that you are indisposed and cannot work for a while, health insurance plans take care of the hospitalisation and treatment costs. Some of them even pay a corpus in case of the policy holder’s unfortunate demise from illness or accident. Your family’s comforts and standard of living is not jeopardised in any way, since your health insurance pays for your treatment. So you can shore up your savings for another rainy day.

Big city stress may strike us all, and if you live in a busy city with no time or enough avenues for recreation, you are wont to fall prey to it. However, you can take the sting away from the financial repercussions of this kind of stress with
health insurance policies for yourself and the family.