Tuesday 15 August 2017

It's never too late ...


It's a little over two weeks since I posted my last blog. This is because I have been travelling for celebration of a special family event which is held on yearly basis. It has been a memorable event and this is what we look for as we catch up with our age. I could see, feel and be a part of the happiness which swept all of us. Time flies...Isn't it ?
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But I also observed the changes in our physical appearances, the health related issues and other things which all of us are confronted with one way or the other.
This brings us to a very important topic of healthcare for senior persons.
In this blog of mine I continue on my favourite but very important ongoing topic of financial planning and security. And this blog is to do with health insurance.
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With no formal training in the earlier days and even now to a large extent for that matter, many of us are not equipped to lead a comfortable post retirement life when the basic needs are confined to day to day living and health care apart from other activities which may vary from person to person. 
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As we approach our retirement we are faced with possible monetary and emotional anxieties during impending retirement years. We are deeply concerned about funds for healthcare even though many  of us may be having guaranteed pensions for life. We have to accept that old age comes with high probability of medical needs and here comes the health insurance into picture. Nobody wants to be dependent on their children for this need because they themselves have to look after their own selves and their families. Moreover social security is not available everywhere and hence most of us in India are on our own when it comes to health insurance.
But this is one part of the story. The other part relates to what we have to offer to such people. 
It is not easy to get a fresh health insurance policy without a number of restrictions and exemptions and with affordable premiums. Also there are not enough insurance plans to cater to unexpected requirements. And to top it all there can be major ailments which may not have adequate protection in terms of insurance.
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Though some changes have taken place in the last few years but there is still a lot to be done to help senior persons in their sunset years. What really is needed is to understand the real issues and bring in laws to make it convenient and with affordable premiums.
In many countries we can find insurance companies offering long term health care policies. The premiums are required to be paid during entire working life of a person enabling him or her  a secured insurance cover post retirement. This is what can be introduced everywhere for the benefit of elderly human beings.

The best way forward in my opinion is to keep a check on our health right from the very beginning so that the requirement of medical care other than routine is minimized. Also let us decide not to switch over to total retired life immediately after retirement but get involved in mental and physical activity like yoga, walking, reading, travelling etc. which will certainly go a long way in keeping ourselves fit. In fact this must go on even till our last breath. This apart we must have suitable health insurance policy, renewed every year in time.

And above all we should be in constant touch with ever evolving world and use it to our advantage if need be.



It's never too late to make a beginning ...
Enjoy life till the last breath ...



My blogs can be viewed on
https://familyisreal.com
kumarskumar.blogspot.com
My blogs @ SK1955 on FB
@skumar272010 on Twitter

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