Urban Problem Solving- Full Settlement of a MEDICLAIM, a Real Challenge

Preface

Continuing from my introductory blog-post, this is the first installment of my personal experience in solving essential personal problems faced by us in Kolkata.This deals with a very commonly known subject about which most of the salaried people, retired people, even affluent people are quiet well aware. This is known as Mediclaim Insurance.

With the increase in the number of common & difficult diseases faced by all sections of the society in our regular life and the cost of medical treatment going up sky high it is becoming very difficult for the common people to bear these out of budget expenses from their limited income.  In view of these, Medical Insurance emerged as some sort of relief for all state of people in the society way back in 1986.By 2010, more than 25% of India’s population had access to some form of health insurance (Source: Wikipedia). However this concept has not been still widely accepted by a larger section of the society. There is a reason for it, which you will understand from my personal experience regarding Mediclaim Insurance.

Urban problem solving - Introduction

In our daily life in the mega city of Kolkata, problems almost start cropping up right from the morning. Though living in a metro city has its advantages, nearly every individual citizen of the city has to face varying degrees of problems.

The problems arise in the most unexpected manner and in the least expected areas. In the morning one may wake up to find that due to leakage in the flash tank, all the water in the overhead tank got exhausted. Thus, no water is available even for basic needs. You will need a plumber right away, but in Kolkata that is not so easy. 

Pleading may get you God in this city, but getting a plumber required to fix the problem is a herculean task. Even if you stay in the heart of the city, finding the right guy is as difficult as in the suburbs. Worse, it may so happen that suddenly one fine morning our great Kolkata Municipality Corporation stops supply of drinking water without proper notice in advance.