{"id":312284,"date":"2026-08-23T10:47:42","date_gmt":"2026-08-23T05:02:42","guid":{"rendered":"https:\/\/insurancekhabar.com\/?p=312284"},"modified":"2026-08-23T10:50:08","modified_gmt":"2026-08-23T05:05:08","slug":"sumans-golden-decision-life-insurance-with-critical-illness-cover-can-you-live-comfortably-2","status":"publish","type":"post","link":"https:\/\/english.insurancekhabar.com\/sumans-golden-decision-life-insurance-with-critical-illness-cover-can-you-live-comfortably-2\/","title":{"rendered":"Suman&#8217;s Golden Decision: Life Insurance with Critical Illness Cover Can You Live Comfortably"},"content":{"rendered":"<p>Punarbas Municipality of Kanchanpur district, known as the village of ex-servicemen. This is the story of Suman Gautam of the same municipality, who is the son of an ex-serviceman. Suman, who belongs to a middle-class family, was educated in the village school. <\/p>\n<p>After SEE, he went to Kathmandu for higher education. While studying for his bachelor&#8217;s, he also started a small business. <\/p>\n<p>Suman had a dream of becoming an entrepreneur since childhood. So along with his studies, he opened a small garment factory. He started making jeans in his garments. The business was a success. The economic situation was better than before. <\/p>\n<p>When it starts to get better, it gets better. He was in love with a college-educated girl. There was a conversation between the two families. They got married with a consensus. <\/p>\n<p>Husband and wife were busy in the garment factory. The business was getting better. In the meantime, their first child, a daughter, was born. After earning a good income, Suman insured the life insurance of one crore insured with all the supplementary facilities. Suman was loved by his family, relatives and loved ones. <\/p>\n<p>But one day, something that shouldn&#8217;t have happened. He was driving in New Baneshwor. Suddenly he fainted. After the traffic jam, the traffic police arrived. He put the car on the side and sent Suman to the hospital in a taxi. He had already informed his wife by phone. <\/p>\n<p>I had a heart problem. He started treatment at Shahid Gangalal Hospital in Bansbari. No one has raised money in view of such a sudden problem, not even Suman. <\/p>\n<p>He used the money he had for treatment. There was also a shortage of money. However, Suman recalled that he had taken the fatal disease cover for life insurance, which was Rs 50 lakh (he had reduced the maximum amount of Rs 50 lakh to Rs 50 lakh). <\/p>\n<p>Once the doctor diagnosed the fatal disease, the full amount was given for the facility. He asked his wife to go to the life insurance company after giving her the documents of the doctor and the hospital. The wife took the insurance policy and the hospital papers and went to the life insurance company. After completing the process, the company transferred Rs 50 lakh to his account. <\/p>\n<p><iframe loading=\"lazy\" title=\"Reel \u0915\u0925\u093e Gajureal \u092c\u093e\u091f | Episode 8: \u0938\u0941\u092e\u0928\u0915\u094b \u0938\u0941\u0928\u094c\u0932\u094b \u0928\u093f\u0930\u094d\u0923\u092f | Prabhu Mahalaxmi Life Insurance Ltd.\" width=\"640\" height=\"360\" src=\"https:\/\/www.youtube.com\/embed\/-Ojjgfjr2QA?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<p>He was undergoing heart surgery. For about 3 hours, the hearts of my wife and relatives kept pounding. However, the operation was successful for 3 hours. After 45 days in the hospital, Suman returned home. The family welcomed him back with a new life. There was an atmosphere of joy. After many days, Suman was happy to spend time with his family at his home. And so does his wife and daughter. <\/p>\n<p>In the evening, when the daughter fell asleep, the husband and wife started talking. While talking about the work that has been done in the meantime, my husband said, &#8220;The treatment expenses received under the life insurance cover were very relieved. \u2019<\/p>\n<p>Then the wife said, &#8220;Check your mobile banking, out of the Rs 50 lakh, only Rs 17 lakh has been spent on the medical expenses.&#8221; The remaining Rs 33 lakh is in your account. And the original insurance policy will also be restored. It&#8217;s so good. \u2019<\/p>\n<p>The remaining 33 lakhs were used to add investment in the garment factory. The garment factory was getting bigger. After 3 months, when his health was normal as before, Suman started working full time in the garment factory. Now his health and business have improved. <\/p>\n<p>Nowadays, Suman says, &#8220;Life insurance is very important not only in the absence of life, but also in life. No one may get a sudden fatal disease like mine, but I don&#8217;t know what happens to whom, at what time, in what form. If I am one in a thousand, tomorrow anyone can be there. Such things don&#8217;t come with playing music. Therefore, everyone should have life insurance with critical disease protection and live a safe life. <\/p>\n<p><span style=\"color: #0000ff\"><strong><em>(This story has been taken from Prabhu Mahalaxmi Life Insurance&#8217;s YouTube.) )<\/em><\/strong><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Punarbas Municipality of Kanchanpur district, known as the village of ex-servicemen. This is the story of Suman Gautam of the same municipality, who is the son of an ex-serviceman. Suman, who belongs to a middle-class family, was educated in the village school. After SEE, he went to Kathmandu for higher education. While studying for his [&hellip;]<\/p>\n","protected":false},"author":16,"featured_media":312272,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[45031,45152,45159,45126],"tags":[],"class_list":["post-312284","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banner-news-en","category-life-insurance-en","category-news-en","category-video-news-en"],"acf":[],"_links":{"self":[{"href":"https:\/\/english.insurancekhabar.com\/ikbrapi\/wp\/v2\/posts\/312284","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/english.insurancekhabar.com\/ikbrapi\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/english.insurancekhabar.com\/ikbrapi\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/english.insurancekhabar.com\/ikbrapi\/wp\/v2\/users\/16"}],"replies":[{"embeddable":true,"href":"https:\/\/english.insurancekhabar.com\/ikbrapi\/wp\/v2\/comments?post=312284"}],"version-history":[{"count":1,"href":"https:\/\/english.insurancekhabar.com\/ikbrapi\/wp\/v2\/posts\/312284\/revisions"}],"predecessor-version":[{"id":312285,"href":"https:\/\/english.insurancekhabar.com\/ikbrapi\/wp\/v2\/posts\/312284\/revisions\/312285"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/english.insurancekhabar.com\/ikbrapi\/wp\/v2\/media\/312272"}],"wp:attachment":[{"href":"https:\/\/english.insurancekhabar.com\/ikbrapi\/wp\/v2\/media?parent=312284"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/english.insurancekhabar.com\/ikbrapi\/wp\/v2\/categories?post=312284"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/english.insurancekhabar.com\/ikbrapi\/wp\/v2\/tags?post=312284"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}