The Two Diwalis: A Tale of Two Families

My dear friend, come, sit with me. Let me tell you a story about two families from our very own Goa. It’s a story I have seen play out too many times in my clinic. It’s not just about money; it’s about peace, security, and the future we build for our loved ones.

The Sharma Family's "Tomorrow" That Never Came

Mr. Sharma was a good man, a hardworking government officer. Every year, his insurance agent would visit. And every year, Mr. Sharma would say the same thing: "Next month, Raju. Let the Diwali bonus come, then we will decide."

He believed his office's group insurance was enough. He thought serious illness happened to other people. He wanted to use that money for a new car, for a family holiday. "Tomorrow" was his favourite word.

Then, one Tuesday, his wife, Sunita, had a sudden, severe pain. Tests revealed a major heart condition requiring immediate surgery. The hospital bill was like a monster, growing larger every day.

The group insurance was a small umbrella in a hurricane. It covered very little. They sold their gold, took loans from relatives, and the Diwali lights that year felt dim, overshadowed by the darkness of debt and worry.

The Pinto Family's Shield of Protection

Now, let me tell you about the Pinto family, who lived just a few lanes away. Mr. Pinto, a school teacher, earned less than Mr. Sharma. But he had a different philosophy.

He sat with a trusted advisor and got a comprehensive health insurance plan for his entire family—his wife, his two children, and his elderly parents. The premium was a commitment, yes, but he treated it like his most important monthly bill.

A year later, his father was diagnosed with a critical illness. It was a frightening time for the family. But do you know what happened?

The insurance took care of it. The hospital bills were paid directly. They could focus all their energy on their father's recovery, not on calculating the cost of each medicine. Their Diwali was filled with gratitude and relief.

Your Family's Lesson

My friend, health is the greatest wealth. You insure your car, you insure your home. Why not insure the very thing that lets you enjoy them all? Don't wait for a crisis to be your teacher.

• Your Employer's Insurance is a Starter, Not the Main Course. It is rarely sufficient for a family's major medical needs.
• Insurance is Not an Expense, It is an Investment in your family's peace of mind and financial stability.
• Start Today, Not Tomorrow. Premiums are lower when you are younger and healthier. Delaying only increases the cost and the risk.
• Protect Everyone. Ensure your plan covers your spouse, children, and dependent parents. A family's health is a chain; one weak link affects everyone.

A stitch in time saves not nine, but your family's future.