The Two Families of Dabolim

My dear friend, come, sit. Let me tell you a story about two families who lived right here in our beautiful Goa. One family learned a lesson too late. The other slept peacefully at night. Their stories are separated by one simple decision.

The Sharma Family's "Tomorrow" Plan

Rohan Sharma was a good man, a hardworking father. Every time I met him at the market, I would say, "Rohan, what about health insurance? A family man like you needs a shield."

He would always smile and reply, "Next month, Dr. Celso, next month. The children's school fees are due. We are young and healthy. What is the hurry?"

His "tomorrow" never came. One evening, his wife, Priya, had a sudden, severe pain in her chest. It was a major heart issue. The hospital bill for her surgery and recovery was like a monster, swallowing their life's savings in one gulp.

Rohan told me later, with tears in his eyes, "Doctor, we had to sell my wife's gold, the gold her mother gave her. I felt I had failed my family."

Their daughter's college fund was wiped out. Their dreams were put on hold. All because of a bill they never planned for.

The Ferns Family's "Today" Decision

Now, let me tell you about the Ferns family. Simon Ferns, a fisherman, came to me the very day his first son was born. He said, "Dr. Celso, I am a father now. My family's safety is my responsibility. I don't earn much, but show me a plan I can afford."

We found a simple, affordable family health plan. It cost him less than what he spent on tea and samosas in a month.

Last year, his youngest son, Kevin, fell from a tree and broke his leg badly. It required a surgery and a long hospital stay.

When the bill came, Simon simply submitted his papers to the insurance company. The shield we had built together worked perfectly.

Simon told me, "That piece of paper was not a paper, Doctor. It was peace. My son got the best care, and my boat, my home, our future... everything remained safe."

The Ferns family faced a crisis, but they did not face a financial disaster.

Your Family's Lesson

My dear friend, the difference between these two families is not luck. It is a choice. A choice between worry and peace. A health emergency does not check your bank balance before it strikes.

Here is what you must do, starting today:

• Stop saying "Tomorrow." Tomorrow is the busiest day of the week. Act now.
• See insurance as a shield, not an expense. It is a small monthly investment to protect your life's big investments—your home, your savings, your children's future.
• Start with what you can afford. Even a basic plan is a thousand times better than no plan at all.
• Your health is your greatest wealth. Protecting it is the most responsible thing you can do for your loved ones.

A stitch in time saves your family's peace and prosperity.