31 Oct 2022
Well, this lovely morning I was wondering about how important tea is to our daily lives when I suddenly realized things we can do by saving money from our daily tea expenses. I jumped out of bed and headed to the kitchen as soon as I noticed the soothing morning sun. Then turn on the stove's burners, measure two cups of water in a pan, and add sugar and tea leaves to the pan before turning the stove back on. The nose quickly detects the mild aroma of tea leaves being boiled in boiling water when I turn off the water faucet and provide water to my hands and mouth.
This tea leaf would definitely come in first on any list of Bengalis' preferred beverages. However, they were not fortunate enough to stumble upon this cherished drink of Bengali. The British initiated the introduction of tea leaves into India, however, the inhabitants of the subcontinent did not expel the British along with the tea leaves. Instead, the grain close to the stove has transformed it into a spot for a teapot. However, a tea leaf needs to go a long way to make this tiny spot.
Tea is something we all can agree is refreshing and is needed daily. Tea can be considered one of the most popularized drinks. And people drink tea several times a day as it is awakening and freshening but tea also has its benefits, such as it is wonderful for your skin and can help protect you from cancer as well as help in weight loss and such! There are millions of consumers of tea and due to increased consumption, the nation is now a major exporter of tea instead of a net exporter.
Well, tea is most definitely popular but- the price that we are paying for buying tea, we can save 1 taka per day and in a year we would be left with 365 taka which is enough to buy health insurance for a year and you can also get a 5-lakh taka benefit from it. A form of benefit is health insurance, which may be provided by a federal agency, a for-profit business, or a non-profit group. A provider estimates the total cost of medical care for a population and divides this risk among policyholders to arrive at the cost. Theoretically, insurers are aware that while one person might incur substantial unforeseen expenses, another person would not. The expense is then split among a number of people in order to make healthcare comparably less expensive for the benefit of everyone. The situation regarding healthcare coverage in Bangladesh is covered in more detail below. Each of us saves a small amount of money that is left over after paying our bills so that we might utilize it later.
So get a cup of tea and settle back to read while you consider everything that one tiny tea leaf can do for you. While it may not be feasible to predict what the future will hold, we can make plans now to ensure that this future is secure. You are your most significant asset. Which meant that the most valuable possessions are your body and your health.
So what exactly is insurance?
Typically, when we hear the phrase insurance, we picture the difficulty of having to pay a set sum each month. The buyer frequently cannot rest confidently even with that money. Because it is evident that when money is needed, it is no longer needed as soon as the paperwork is spread. It frequently turns out to be pointless to insure with so many potential issues. By submitting photographs of the required documents online, you can simply obtain insurance coverage.
A sort of financial service called insurance shields you from hazards connected to your daily life or professional endeavors. This risk could be brought on by a sudden illness, an accident, a fire, or damage from a natural disaster, among other things. You could experience financial loss as a result of these risks, but insurance will cover any losses you could encounter.
If a loss occurs as a result of a risk that is covered by an insurance contract or insurance policy, the insurer or insurance company will give financial compensation.
Bangladesh still has a low rate of health insurance usage because the majority of insurance providers don't provide individual health insurance plans. Although many companies offer group health and life insurance to their employees, few people actually use these plans to obtain insurance. Because of this, obtaining health insurance remains a challenge for the average person. The citizens of Bangladesh may easily comprehend and purchase health insurance coverage thanks to the collaboration of numerous companies with reputable insurance providers.
Benefits of health insurance:
Today's market offers several different sorts of health insurance. As a result, many individuals are unaware of where to find the greatest health insurance services. The correct health insurance will be advantageous for everyone. When it comes to health insurance, buying coverage is not the only factor to consider. The extent of the insurance is crucial in this situation as well. Your medical expenses are decreased by health insurance because you can obtain significant financial security for a relatively little premium. This is because you receive reimbursement or a set amount of compensation through insurance claims, which lowers your out-of-pocket costs.
The kinds of policies that are offered are described below, despite the fact that Bangladesh does not have many modern health insurance options available at the individual level.
1. Hospital Payment Policy
2. Cash Policies in Hospitals
3. Chronic Illness Policy
Health insurance in Bangladesh:
A hospital Payment Policy is the most popular type of health insurance in Bangladesh and is purchased for employees by a variety of businesses. The insured is typically reimbursed for medical expenses incurred against hospital treatment costs up to the annual sum assured, which is typically specified in these types of plans. The insurance company could refuse to pay for some medical bills because they are not covered by the policy. Therefore, it is preferable to be aware of the terms and conditions before purchasing any health insurance coverage. The insurance claim should be presented with a complete set of all related medical bills and documentation.
The most common form of health insurance for workers in Bangladesh is a hospital Payment Policy, which is acquired by a wide range of companies. In most cases, the insured is compensated for medical expenses spent against hospital treatment charges up to the annual sum assured, which is commonly stated in these kinds of plans. Some medical costs that are not covered by the policy may result in the insurance company refusing to pay them. In light of this, it is preferable to be informed of the terms and circumstances before acquiring any health insurance policy. All relevant medical bills and supporting paperwork should be included with the insurance claim.
For certain specific chronic disorders, critical illness insurance policies often offer a lump sum payment. Depending on the insurance plan, this money may be made accessible at diagnosis for a certain amount and may also be subject to reimbursement for medical expenses. You often stand to gain a lot from this kind of policy, and the premiums are typically extremely modest.
It is simple to acquire the necessary insurance policies through Carnival Assure, Bangladesh's first online insurance marketplace, and submit insurance claims there as well. A platform that allows you to access insurance services offered by numerous insurance providers online, Carnival Assure is an online platform that allows you to access insurance services offered by numerous insurance providers, not an actual insurance provider. For the citizens of Bangladesh, this is a brand-new service that makes it simpler to obtain numerous essential insurance services. You may browse health insurance plans from the top insurance providers in one location at Carnival Assure, compare them, and choose the one that's best for you. When it comes to selecting the greatest health insurance plan within your budget, customer support representatives are always on hand to help. Especially when you must file an insurance claim.
Carnival Assure makes it simple and hassle-free for you to submit your claim online. All claims are sent to insurance companies through our insurance claims processing department, which works quickly to resolve them. Because it is now incredibly simple to file an insurance claim with Carnival Assure, you can relax.
Everybody wants to be content. Nobody in the world is unwilling to pursue happiness. One of the most crucial purchases you will ever do is insurance when it pertains to your health. It is available to you when you need it and can be a huge financial and medical aid. When choosing a plan, you want to be certain that you're getting the best value possible.View Details
To be very honest, nobody has any knowledge of the future. But obtaining life insurance allows you and your loved ones to be ready for any unforeseen circumstances. You can slumber well at night with even a modest policy knowing that your family is currently covered. Our futures are extremely unpredictable. We therefore never know what will occur to us in the next instant, tomorrow, or the day after tomorrow.View Details