Mother’s Day 2022: How To Take Good Care Of Your Mother’s Health?

Clearly, as children our mother’s do every bit to ensure our safety and security. And it only becomes essential that when children become adults, they make her feel the same way.

In sickness and in health, in hardships and in celebrations, a mother tirelessly and selflessly nurtures her children.
In sickness and in health, in hardships and in celebrations, a mother tirelessly and selflessly nurtures her children.

By – Ajay Shah, Director & Head – Retail Business, Care Health Insurance

Being a mother is one of the most important roles a woman plays in her life. Her contribution to her child’s life is unmatched as she bears, cares, and loves them unconditionally. She prioritizes the needs of her children above her own. In sickness and in health, in hardships and in celebrations, a mother tirelessly and selflessly nurtures her children.

Clearly, as children our mother’s do every bit to ensure our safety and security. And it only becomes essential that when children become adults, they make her feel the same way. With mother’s day on May 8, there’s something special that you can do that truly showcases your care for her. Give her the gift of good health, gift her a comprehensive health insurance policy!

There are various reasons as to why a right health insurance policy is the best gift you can give your mother:

Comprehensive Hospitalization Cover: Aging makes an individual vulnerable to several ailments and health conditions. The right health insurance policy can be instrumental in safeguarding her future against the financial stress arising from medical illnesses. A comprehensive Health Insurance plan that covers a broad range of critical illnesses, pre- existing ailments, as well as covers healthcare services such as hospitalization, OPD expenses, or ambulance cost can be a synonymous action to your thoughtfulness and care towards your mother.

Increase in Sum Insured: There is a common notion about health insurance that says the premium gets wasted if there is no claim and there is nothing that one gets as a benefit of continuing with the policy each year. However, contrary to belief, there are a few products in the market which give you a bonus for each year, if no hospitalization claim is made, by increasing your sum insured. In fact, in a period of five years, this bonus can go up to 150% of sum insured, which will go a long way in ensuring your mother has a Health Insurance policy with abundant Sum Insured amount when the need arises.

Automatic Recharge of Sum Insured: It is possible that the entire sum insured gets exhausted due to a health emergency, which would technically mean that the insured is not covered anymore. However, there are comprehensive health insurance products in the market, which allow the sum insured to be automatically recharged, reinstating it back to original levels. This will enable additional cover that can be used for any other claim during the remaining policy year.

Choosing the right health insurance product: There are specialized products in the market which cater to needs of senior citizens. Some of their benefits include pre and post hospitalization, no pre policy medical check-up, cover for the daycare treatment, rewards upto 150% for each claim free year, coverage for other miscellaneous expenses such as pharmacy, ambulance, OPD Care, etc., annual health check-ups and so on.

Rise of treatment cost: Inflation rate in India is projected at 5.7 per cent in 2022-23. It is hence going to impact all spheres of life with healthcare being no exception. In such a scenario it is only wise to secure your finances and safeguard your mother’s future by getting a comprehensive health insurance that increases the Sum Insured based on inflation so that her policy benefits are in line with need of a higher cover to address the same.

Annual Health Check-ups: Some health insurance products also provide annual health check-up which ensure her health is monitored well. This will also enable you to track any possible health condition she could develop instead of it coming upon her unannounced.

Gifting your mother a health insurance policy is one of the best ways to say you care. This mother’s day, while you share moments filled with love and joy with her, also feel relieved knowing you cared for her by having a major aspect of her life secured.

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