It is a very common thought among the professionals who are below the critical age of mid-thirties that they may not need a health insurance plan. After all, till the time one really need to knock the doors of a nursing home or a hospital, one seldom is worried about health insurance.

However reality is quite different in these days. The Indian population is geared up to change the order in the world economy, and that is solely by the contribution of the young service and business men (and women) of India. So what is hidden within these words of inspiration is that our youth and symbols of health actually work in sectors (like IT, ITeS, Financial services, etc) which are indeed very demanding in terms of hours and commitment which is needed at the office.

The net result is a gradual increase of high blood pressure, blood sugar and cholesterol levels in the “young and healthy” which often goes undetected. The list of such degenerative diseases continue. And then suddenly when the issues start surfacing, it is a tough call to handle all the concerns. Not just that one faces health issues, but also the huge implications of unplanned financial expenditure if any unforeseen challenges happen.

Insurance, precisely is for that uncertainty that lingers on everybody, all the time due to medical externalities. Mishap often don’t see your age or present health status. In fact, due to stress and time spent travelling for work, so many accidents happen these days, which can further cause an immense stress in terms of unplanned expenditure.

In order to avoid a last minute panic for finances, prepare yourself now, because an insurance only strengthens you and provides solace to the mind and body for those times when it pours and rains.

One of the better insurance providers for such situations is Religare. Religare Health Insurance Company Limited is a specialist health insurer which is dedicated in the distribution and servicing of health insurance solutions for its clientele. Religare is promoted by the founders of Fortis Hospitals, which manages around 68 hospitals in India. One of the newer insurance solutions, introduced recently by Religare is Care Freedom.


  • No pre-policy medical check-up , for all ages and sum insured, which ensures that there are no hidden tricks.
  • Annual health check-up for all insured members covered as adults which ensures you are up to date with your health status. No sudden bumps in the road of life is desirable.
  • Ease of cashless treatment & settlement of claims ensures you get what you need and when you need it.
  • Life-long renewability for the truly young in body and spirits.
  • Tax benefit on premium paid, u/s 80D of Income Tax Act-1961, for those who need to save income tax and are looking also for an apt investment.
  • Automatic recharge of sum insured if claim amount exhausts your coverage limit. This ensures you are protected more than you anticipated while making the commitment.
  • Only 2 year wait period in case of Pre-existing Diseases. So if you really need insurance, the plan does not turn away their back towards you.

In fact, your current health status matters very little when you’re buying Religare Care Freedom. So, the hassle of a pre-policy medical check-up that stops many from buying an insurance is something you will never have to go through.

By Kar

Dr. Kar works in the interface of digital transformation and data science. Professionally a professor in one of the top B-Schools of Asia and an alumni of XLRI, he has extensive experience in teaching, training, consultancy and research in reputed institutes. He is a regular contributor of Business Fundas and a frequent author in research platforms. He is widely cited as a researcher. Note: The articles authored in this blog are his personal views and does not reflect that of his affiliations.