DEV PANN Consultancy

02/03/2026

A Real-Life Wake-Up Call: Health Insurance Zaroori Hai!
It is not just Protection, It is Financial Planning & Social Responsibility
This real-life incident reminds us why having the right health insurance policy must be an essential part of personal financial planning — not just for ourselves, but for our families and all near and dear loved ones in the society who makes a difference in our lives.
It also highlights a powerful social thought:
Supporting or sponsoring a health insurance policy for financially vulnerable loved ones can be one of the most meaningful contributions we make towards their dignity and security.
Mr. X, aged 72, from a modest financial background, suffered a heart attack and was later diagnosed with multiple blockages requiring urgent CABG surgery.
The expected cost of treatment at a tertiary hospital was over ₹5 lakh — excluding follow-ups and post-hospitalization expenses — clearly beyond his means.
However, a financially wise and compassionate decision taken in 2021 changed everything.
His brother had proposed and sponsored a ₹7.5 lakh health insurance policy for him by paying the annual premiums till date and perpetually for his lifetime.
The policy provided:
✔ Coverage of consumables
✔ Eligibility for a single private room
✔ Multiple restorations for the same ailment
✔ No co-payment
✔ 60 days pre & 90 days post hospitalization coverage
Despite the current annual premium being ₹55,000, it enabled:
• 1st Hospitalization (Stabilization): approx ₹1,30,000
• 2nd Hospitalization (CABG Surgery): approx ₹5,85,000
All expenses were fully sanctioned — without a single deduction.
This foresight ensured that Mr. X received timely, dignified treatment that saved his life — allowing him to continue caring for his wife battling cancer.
Equally important, his brother was protected from a potentially devastating financial burden of medical expenses.
This incident underlines two vital lessons:
👉 Health insurance must be an integral part of financial planning for every family.
👉 Sponsoring a policy for a financially dependent relative or someone in our social circle can prevent emotional and financial distress during medical emergencies.
Supporting someone’s health cover is not charity —
It is enabling dignity in times of crisis.
Let this be a reminder:
True financial planning is not just about wealth creation —
It is about safeguarding health, preserving dignity, and ensuring no loved one is forced to compromise on life-saving treatment due to lack of resources.

15/11/2025

🛡️ Why Insurance Is Important — For Every Part of Your Life

Insurance isn’t just for emergencies — it’s a foundation for long-term security, stability, and peace of mind.
Whether it’s your health, vehicle, home, business, or family, the right insurance ensures you’re protected from life’s uncertainties.

Here’s why insurance matters for everyone:

🔹 Protects Against Financial Loss
Accidents, medical emergencies, theft, natural disasters, or business interruptions — insurance saves you from sudden expenses that can disrupt your financial stability.

🔹 Covers Your Assets & Essentials
Your car, home, shop, office, factory, and even goods in transit can be protected with the right policy.

🔹 Ensures Peace of Mind
Knowing you're covered reduces stress and lets you focus on life and work without constant worry.

🔹 Supports You During Unexpected Events
Insurance steps in during hospitalizations, vehicle damage, fire, burglary, travel issues, and more.

🔹 Helps in Business Continuity
For entrepreneurs and shop owners, insurance reduces downtime and protects against operational losses.

🔹 Encourages Responsible Financial Planning
Insurance safeguards what you earn, build, and value.

At Devpann Consultancy, we help you choose the right type of insurance —
so every part of your life stays protected.

📲 For enquiries, WhatsApp us at +91 8898889096

11/11/2025

Hello from Devpann Consultancy! 👋
We’re a team of trusted insurance advisors committed to helping you make informed decisions for your future.

From protecting your loved ones to securing your assets — we guide you every step of the way with honesty, clarity, and care.

Follow us for:
💡 Smart insurance insights
📋 Policy tips & comparisons
🤝 Real stories of protection that matter

09/09/2024

Satisfaction of Lord Ganesha bestowing his blessings!

04/12/2022

Hello, please plan your health insurance with Manipal Cigna Health Insurance Co. Ltd. For any help and clarification and also if interested in taking up agency please call on 8898889096/7021054726

30/10/2022

01/10/2022

• Equip yourself with a Financial instrument that helps minimise your financial risks in event of medical emergencies of all your family members of any age. (Health Insurance or Mediclaim).The Sum Insurance options ranges from Rs.2.5l to 6Cr.
• No upper age limit for entry.
• No pre medicals required upto age 65yrs
• Lifetime renewal guarantee
• It helps you in taking dignified treatment by not levying any kind of room rent capping and disease cappings like cataract and several others.
• 100% admissible claim is payable and no copay is applicable.
• It assures treatment in any hospital and admission in any category of rooms upto Standard Single AC room and above.
• It has multiple restoration facility which backs you up with an amount equivalent to your Sum insurance amount in case of emergencies wherein the sum insured amount is on the verge of exhaustion or is already exhausted.
• You can avail 25% cumulative Bonus upto 200% accumulation
• The same instrument helps you for the OPD expenses ranging from Rs. 500 to Rs.20000 depending upon the Policy opted for.
• It helps maintain your health by providing with regular health check ups for every adult above 18yrs age and wellness programmes.
• It gives WORLDWIDE Medical Emergency Cover to you.
• The same plan can be offered with deductible clause.
• The premium fees are very competitive with other companies offering lesser customer benefits in the Industry.
• Section 80D is applicable for tax benefits on premiums paid on Health Insurance policies.
• Special Topup plans of high Sum insured amount are also available at Very low cost.
• Specialised products are available for Diabetic patients, Cardiac patients, Cancer patients, Sr. Citizens and Autistic children.
• Global Policy also available.
• We do cater for Overseas Travel Insurance and Personal Accident policy.
• We also cater to all General Insurance requirements like Motor Insurance, Fire Insurance, Marine Insurance, Workmen Compensation and other liability and project Insurance
• We cater to life Insurance and Investments requirements such as Term plan, Endowment plans and mutual funds under section 80C
• We also facilitate recruitment of Health General and Life Insurance advisors.
• We also provide claims consultation and other services of all Insurance cos.
• To know more for any Life, Health and General Insurance do contact us on 8898889096/7021054726
Regards,
Varsha Sachdev