In recent times, one of my close friends happened to face occupational health hazards added by sports injury.  It’s called cervical disc prolapse – and in layman term its spondylosis. But eventually what had happened, he experienced lot of physiotherapy sessions.  He was not hospitalized – and hence Health Insurance company denied his claims. There was a limit of medicals from the employee – and again restricted.

Essentially, he ended up spending quite a few bucks from that injury, which certainly put pressure in his wallet.  When we are discussing the above, I certainly feel that one fine day – anyone of us can get such kind of treatment. And rather, spondylysis is very common now-a-days because of work-life stress.

How do we handle such medical expenses?   Health Insurance,  Life Insurance , Riders  – none cover that?  Continuous physiotheraphy for few months actually can put pressure as those are unpredictable expense .