सावधान कॅन्सर पसरत आहे

Sonali Bendre diagnosed with metastatic cancer

सोनाली बेंद्रे ला कॅन्सर झाल्याचे कळले

, अशीच बातमी मनीषा कोईराला, लिसा रे, इरफान खान यांच्या बद्दल ऐकली.
कॅन्सर सारखे क्रिटिकल इलनेस कोणाला हि व कधीही होऊ शकतात. हे सगळे अक्टर्स USA / UK मध्ये जाऊन उपचार करू शकतात.

आपण यातून काही शिकणार आहोत का ?

तुम्ही कधी असा विचार केला आहे का ? कि समजा तुम्ही त्यांच्या जागी असतात तर काय केले असते ?

तुमच्या कडे हेल्थ इन्शुरन्स / मेडीक्लेम / क्रिटिकल इलनेस कव्हर आहे का ?

त्याचे किती कव्हर आहे ?
१ – २ लाख कव्हर आहे ?
की
५ – १० लाख पर्यंत कव्हर आहे ?

कारण हे सगळे क्रिटिकल इलनेस चे पॅकेजेस मुळी ३ – ४ लाख पासून सुरु होतात.

 

आपण परदेशात उपचार करून घेऊ शकतो का ?

 

 

सोनाली ची बातामी वाचून वाईट तर वाटलं, पण यातून जर आपण काही शिकलो, व ते अमलात आणले तर खरे.

 

 

शेवटी पुढच्याला ठेच, मागचा शहाणा…..नाही तर आहेच आपला येरे माझ्या मागल्या….

 

…

हेल्थ इन्शुरन्स / मेडीक्लेम, क्रिटिकल इलनेस इन्शुरन्स माहिती साठी नक्की संपर्क करा.

कौस्तुभ देवळे

The Bucket List

Imagine you were told you had 6–12 months left to live.

What would you do with your time left?

Today i watched the movie again.

It’s about Billionaire Edward Cole (Jack Nicholson) and car mechanic Carter Chambers (Morgan Freeman) who meet in the hospital and learn that their respective illnesses will kill them in less than a year’s time. Instead of letting the news bring them down, they decide to create a bucket list together, which is basically things each of them want to do in life before they die. The rest of the movie explores the relationship between the two men as they go out and try to live their bucket list.

It’s a beautiful movie that I’d definitely recommend.

Lessons I learnt from The Bucket List, thought it might be useful to you:

• Death often comes Unexpected: Edward and Carter were in their old age when they found out they were going to die. But it still crept up on them. They were living normal lives, and then suddenly their time was going to be up.

  Whether old or young, death often comes when you least expect it. You really never know what can happen. That’s why you need to grateful for every day you wake up and make sure you’re living the life you want.

  In financial context, make sure you have adequate Term Cover & Health Cover for your family to support their lives.

• Make your Bucket List Now:Seriously. Don’t wait until life passes you by and it’s too late. Start today!

  Write down all the things you want to do in life. Dream big.

  List all your objectives, goals, aspirations to achieve. You get life only once.

 

• Actively plan to execute the objectives mentioned in the list:Making the bucket list is the easy part and only Step 1. It’s worthless unless you start planning out how you’re going to accomplish the things on it.

  Edward and Carter couldn’t really plan since their time was limited. They just took action, which is a major part of the equation too.

  While you likely have a lot of time to accomplish the items on your bucket list, don’t wait for “some day” to come. Again, you never know when your time is up here, so there needs to be a little sense of urgency and desire to take action. Squeeze everything out of life while you can. Start by picking an item that is attainable and take the first step to figuring out how and when you can do it.

  Planning & Execution is the Key to achieve the goal. Planning your finances, spending, investing, formulating a financial plan & executing it makes sense.

 

• Bring joy to other people’s lives:In the same story about the deceased waiting to get into heaven, Carter tells Edward that the question god ask them is “Has your life brought joy to others?”

  Life isn’t meant to be all about you. Yes, your dreams and goals matter, but it’s really about impact and legacy. How many people’s lives can you touch while you’re here? How can you be a role model for others?

  As Carter said in the movie, “You measure yourself by the people who measure themselves by you.”

  I try to educate & empower all through right financial planning, financial awareness, personal finance & investing principles for wealth creation.

 

• Be adventurous:When Edward and Carter saw the world, they did it in style. Their journey was all about having fun and doing things they had always wanted to do. They pushed the boundaries of what they thought they were capable of and grew in the process.

  We should all try new things more often. There’s so much out there to be experienced. If there’s something that’s been on your mind a lot that you’ve wanted to do, just go do it. Take someone with you. Create memories you can hold onto. Have the most fun possible. Do it all.

Use the Magic word & be Rich

Today, every single product is positioned as need based solution. Can you deny the need to save for child’s education, self retirement, safeguard family’s health & build wealth in long term? It is difficult to see the advantages of any investment when approached by a good salesman.

The world has evolved to a global state & so do any company or salesman. I would rather term them all as HAWKERS. They position the product so well that customers fall for sales pitch & buy it.

Game plan of HAWKERS: IF you have child, you require Child Plan. If you have family, you must have medical insurance. You also need Retirement Plan.

Result: You buy costly child Ulips & guaranteed plans, complex medical policies, inflexible pension plans. They push you to diversify across Stocks, gold, property, bonds, bank FD, PPF & other complex options. If you can’t afford a new home, bigger car, or foreign holiday, they will get you to leverage on future income.

You take a home loan, a car loan, a personal loan & you also collect few credit cards in bargain. This is sure shot recipe for financial worries. Use the magic word to safeguard your finances against such perils, make you rich & protect you from friends offering free advice, wealth managers, money quacks, banks, insurance companies, bank relationship managers, insurance agents who are trying to sell you something or other.

Magic word: No, Nahi, Nako, Na, Venda, Nahim, Illa, Illai.

‘NO’ is a very powerful word. Use it ruthlessly. Say ‘NO’ to the relative who wants to sell you an endowment insurance policy. Turn down bank executive who is pushing a pension plan. Refuse the offer of free add-on card from Credit Card Company. Don’t agree to buy child plan that costs a bomb.

Action Plan: Keep your financial life as simple as possible.

• One term insurance plan to cover your life risk.
• SIP’s in 4-5 well chosen diversified equity funds & debt.
• A simple no frills medical insurance for your family.

Kaustubh Deole

YouTube

Happy 31st March 2018

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Protection is Better than Cure

Way to Simplify Life Series – 2

Majority of salaried employees ignore the individual health insurance and depend on mediclaim/health insurance provided by their employer (office health policy). Observations in many cases; the cover provided by the employer are insufficient to counter the growing hospitalization expenses.

Which are the reasons one shouldn’t depend on health cover from the employer, and have a individual health insurance or a top-up on hospitalisation product?

• The prime purpose of group health insurance is to protect the employer from any mishappenings related to a employee’s health.
• The employer gives cover for 1-5 Lakhs. It is insufficient as for major illness like heart bypass, Cancer package starts from 3.5 Lakhs.
• Employer – employee is a group cover product where coverage is constant & not increasing. You can increase the coverage by paying additional premium.
• There are certain limitations on specific diseases or surgeries.
• It is normally seen, employees cover their complete family in this product.
• In health insurance, there are age slabs which also convey the risk. Covering complete family with different age slabs increases the risk of not getting covered completely.
• Assume, Mr. Rohan has opted for this cover for self, spouse, his child & parents of coverage 5 lakhs. The internal allocation of coverage will be Mr. Rohan- 2.50 lakhs, spouse- 1 lakhs, child- 75k, & parents- 75k.
• These products are not inflation proof. It barely covers the employee with no additional benefits.

No Claim Bonus is not available in any group cover. It is provided in personal health cover to suffice the additional costs in coming years if you are not claiming in respective year.

Your employer won’t cover you after your retirement.

If you are thinking; I will buy health insurance just before retirement, think again? Because something happens during this period there is a possibility you don’t get health insurance as your application might get rejected due to medical history or you will be charged loading (extra premium) to cover the risk.

The government has increased 80D limit, Government wants its citizens to have enough health insurance as it protects individual from financial liability.

Recently, Government is giving health insurance cover of 5 Lakhs for 50 crores people who are Below Poverty Line. If Government is taking care of their citizens, why you are shying away for taking care of your own family?

Also, it costs average Rs 10000 – 15000 which is very small amount as compared to any medical bills of Rs 2-3 Lakhs.

So it’s always advisable to have a individual health insurance to cover self & family.