Ask yourself, does Health insurance really protect your health? Absolutely Not! There is no policy which can protect your health.  Health can only be protected by proper diet, right lifestyle and exercise regimen. Now question comes to us, so what is Health/Medi-claim Insurance, when it does not protect your health? Although it may sound strange to you but one such great Wealth Protection tool is Health Insurance.

When you buy a health insurance policy, all you are doing is protecting your wealth from those situations which demand big amount of hard cash at very short notice towards medical expenses only, nothing else. So you have to understand that buying a health insurance policy and caring your health equally important as well.


Health insurance is generally recommended because financial planning not only involves creating wealth but also making sure that you do not lose the wealth you create. There are many people in the world who have built a lot of wealth over the years, but during their journey towards their financial freedom, they have lost their health. They have several diseases as they never spent much time tending to their health.

They have money today, but all that money cannot be utilized as satisfyingly as they had imagined. No matter how much health insurance buy, the best insurance is still a good healthy body and good exercise.  You should be spending some dedicated time and effort making sure that you eat right and take good care of your body.  Life is full of moments and a healthy body makes sure that you cherish each moment in life. Each moment should be full of energy, confidence and enriching mindset, which cannot come from a lot of money alone.

I see often, most of salaried people eat unlimited sweets and junk foods in their office cafeteria; they enjoy that moment. But from the long term point of view, it’s something which they should control else they will have medical issue later.

Investment in your Health

The conclusion I want to make is that money is a creation of human beings. It’s a medium to enjoy other things in life which are provided to us by nature, If we spend all our energy and time just acquiring wealth, there will be no point in having it, unless that’s exactly what you want in life. So, invest some of your time in your health and at least 1 hour each day toward building up your health, which is your real wealth. You need to start SIP investment for your health. Exercise, go for walks, eat right and take care of your health on an ongoing basis. Even if you have little less money at the end, you would still be better off.

While, this is the internal truth that the job of health insurance is to protect your wealth and not your health. It is so well said “Health is Wealth” 

“Protecting Wealth is much easier than Protecting Health”.

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Suresh Kumar Narula

SEBI Investment Advisor, Founder & Principal Financial Planner at Prudent Financial Planners
Suresh K Narula is founder and Principal Financial Planner at Prudent Financial Planners. He has earned the professional CERITIFIED FINANCIAL PLANNER and got registered with SEBI as Investment Advisor. He writes on personal and financial planning articles and got published in Dainik Bhaskar, Business Bhaskar and The Financial Planner's Guild, India. He is also a member of Financial Planner's Guild India ( An association of practicing SEBI registered Investment advisers) to create awareness about Financial Planning in general public, promote professional excellence and ensure high quality practice standards. Suresh received his an from Himachal Pardesh University and an MFC from Punjab University, Chandigarh. He can be reached at
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