Puisa Kotha Hunibo? A gift that protects

We all know someone who has had to leave Nagaland for a medical check-up or a major procedure. We’re no strangers to travelling to Delhi, Guwahati, Vellore and beyond for treatment. In my own circle, it’s almost normal. Bags packed. Tickets booked overnight. Calls made across cities. You’ve probably seen it too.
Our health infrastructure is still catching up and will improve with time. But until it does, there are things within our control. And we’ve all seen what happens when we ignore them. Families panic, running from one place to another trying to arrange money during an emergency. In that moment, it isn’t an option anymore.
Medical inflation in India is running at around 15% annually. It’s one of the fastest-rising costs we face today. Add to that our aging families, new lifestyle diseases creeping in with our changing diets and habits, and the fact that pandemics are no longer unthinkable. It’s clear how exposed we really are.
That’s where health insurance starts to matter. It helps you stay steady when things are not.
And it’s not just for you. It’s for your family. Parents, partners, children, siblings. It brings a certain ease, knowing that if something happens, you’re not starting from zero.
I’ve even started to think of it as a different kind of birthday gift. Something we can begin within our families. Something truly meaningful. Unusual? Maybe. Necessary? Yes. Absolutely
Yes, schemes like Ayushman Bharat and CMHIS exist, and they help. But they are basic. If you can afford it, a more comprehensive plan for yourself and your family is worth considering. Many who are informed and prepared already do this.
An added benefit is the annual health check-ups most plans offer. Because it’s included, people actually go. An early diagnosis, especially for our elders, can change everything.
At Moneybar, we keep talking about money in the context of real life. This is one of those decisions that may not feel urgent today, but you won’t regret making it in time.
We plan for weddings. We plan for festivals. It only makes sense to plan for this too. In a place where access to healthcare can be uncertain, this is one thing we can take care of beforehand.
Paweü Kayina
founder@moneybar.in