If you are a management graduate, you would have read about McGregor’s theory X, which states that human beings are lazy by nature and work only when prodded with some sort of motivation – whether it is a carrot or a stick. While many may refuse to accept that theory, it is true in a few instances atleast. One such instance is the laziness with which we react to Insurance.
Health Insurance is one of those things which we all accept as necessary but don’t go out and get it for ourselves. When agents call us, we bang the phone down and keep postponing till the last possible minute, and if something goes wrong meanwhile, god help us! When we take up a California health insurance policy, we don’t really do it because we want to do it – most of us just take it up because it is mandated by our company and otherwise we lose the money which would be added to our salary as insurance premium at the end of the year.
But in reality, taking up a California health insurance policy not only gives us protection when we need it, but is also liberates us from the mental tension we carry around each day worrying about rising hospitalization costs.
Most hospitals accept zero cash hospitalization cards from all leading insurers and often, the first question asked at the counter is the name of our insurer so that they can cross-check the validity of the policy.
There is another motivation to take up a California health insurance policy – ever since the concept of insurance has shifted online; the premium prices have come down, thanks to the competition. Choosing a company which offers the whole documentation process online will further bring down the premium. If this doesn’t motivate us, what will?