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Health Insurance Hua Kamzor, Kharcha Badha
Socho, jo ₹5 lakh ka insurance paanch saal pehle liya tha, aaj uski value sirf ₹2.8 lakh ke barabar reh gayi hai, agar medical inflation 12% pakad lo toh. Global average inflation jo 10% ke aas-paas hai, usse toh yeh kaafi upar hai. Isliye, jo policy paper par sahi lagti hai, woh asli treatment ka poora kharcha nahi utha pa rahi.
Premiums Ka Bhi Badha Tadka
Costs badhne ki wajah se, insurance companies bhi pareshaan hain. Jo claims aa rahe hain woh unki collected premiums se 100% se bhi zyada ho gaye hain! Isliye, next year (2025-26) ke liye premiums 10-15% badhne ka pura chance hai. Kuch logo ne toh already 25% se bhi zyada hikes dekhi hain!
Kiske Baad Daud Rahi Hain Costs?
Iske peeche kai reasons hain: Nayi medical technologies jo achhi hain par mehengi hain, specialist doctors ki kami jiski wajah se fees badhti hai, aur sabse bada reason - chronic diseases (jaise cancer, heart problems, diabetes) wale log badh rahe hain. COVID-19 ke baad logo ne delayed treatments karwaye aur health awareness bhi badhi, jisne insurers ki mushkil aur badha di. Upper se, population bhi age kar rahi hai, jisse healthcare demand aur costs dono badh rahi hain.
Garibon Par Aur Bojh
Serious ilaj jaise heart surgery ya cancer ka kharcha aasani se ₹15-25 lakh ya usse bhi zyada ho sakta hai. Isse tumhari basic policy ki limits cross ho jaati hain. Jab policy kam padti hai toh baki ka paisa tumhe apni jeb se dena padta hai, jise out-of-pocket expense kehte hain. Is wajah se saal dar saal kayi Indian families financial problems mein phans jaati hain, kabhi kabhi toh gareebi mein.
Market badh toh raha hai (premiums ₹1.2 lakh crore ke paar ho gaye FY 2024-25 mein), par ye sab sharp premium increases ki wajah se hi hai.
Kya Karein?
Apni policy ko har do se teen saal mein zaroor review karo. Serious bimariyon ke liye sirf ₹5-10 lakh ka sum insured abhi kaafi nahi hai, khaas kar bade shehron mein. Super top-up plans lena ek achha idea hai jo bade financial shocks se bacha sake.