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All of us claim to know what insurance is all about. But the crux of the matter is that none of us really understand its true value thanks to the sheltered and pampered lifestyles that we lead.
Most of us perceive insurance as a tax-saving device. Some
of us think of insurance as an investment tool that enables us to accumulate
wealth gradually. For the rest, insurance seems to be nothing but a necessary
nuisance.
Imagine this:
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A careless taxi driver might smash into your parked Matiz, pulverising it completely. Now your only mode of transport through the metro's over-laden rush hour is cooling its flanks at the dealer's workshop.
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A cigarette butt flicked nonchalantly lands on the eave of your office building. Months of accumulated rubbish are set on fire. Not just is your office gutted but the rest of your neighbours spread all across the commercial area have their business reduced to a jumble of twisted metal and smouldering ashes.
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Your mother-in-law slips inside the bathroom, landing on her side. After fracturing her hipbone, she has to be operated upon and spends over bedridden four weeks at the local nursing home.
All of these circumstances share a significant financial loss
besides the enormous considerations and inconvenience that you might have to
suffer. Suppose there was an insurance policy covering each or any of these
instances? At least the financial turmoil could have been neutralised to a very
large extent. Nothing and no one can accurately predict or foresee an impending
disaster that might fall into your self-centred existence. And nothing and no
one can replace the value and commitment that might be wasted upon the occurrence
of such a disaster, except insurance. It is Insurance that protects you against
the financial repercussions of a loss.
