MAM
HTC, CRY tie up for girls’ quality education
MUMBAI: Sonal (Name Changed) is an activist and she is only 12 year’s old. She is a member of the “Little star children’s group” from Shahbad dairy that works towards educating children on protecting themselves against abuse. Like the other members of the group, she has been working with other children from the basti who are yet not associated with the children group.
She is a part of Aarzoo – a movement, a promise to fulfill dreams of countless young girls from the lower income group familiesby facilitating guidance and resources to supplement their dedication and enthusiasm. In association with ‘CRY – Child Rights and You’, and as a part of its corporate social initiative, HTC Corporation, a leading innovator in mobile and virtual reality technology, has launched the initiative ‘Aarzoo: ek wish har aarzoo poori karneki’ in India.
The initiative brings together HTC and CRY in an effort to create education and basic training opportunities for the girl child from the under privileged sections of our society. As a part of this initiative, beginning February 2017, HTC will, for a period of six months, contribute part of consumer sales proceeds towards delivering an on-ground impact on girl child education for 1500 girls through CRY.
‘Aarzoo’ aims to bring positive changes in the lives of the under-privileged girls by giving them the opportunity to learn whilst working towards recognizing, promoting and protecting their rights. In order to build mass reach and awareness and establish connect it will involve the use of Digital consumer connect campaigns as well as on ground activation via events and activities. HTC employees will also join the drive by donating their time towards the cause – volunteer for CRY. The initiative will culminate with a large children festival in Delhi.
HTC president-south Asia Faisal Siddiqui said, “According to DHS data around the world, female literacy rates are improving but India ranks 38th among the 51 developing countries for which comparable data is available. Indonesia, Rwanda, Ethiopia and Tanzania – all rank higher than India. I would like to reiterate our commitment towards providing quality education and enable better prospects for the girl child in the country.”
Child Rights and You (CRY) regional director- north Soha Moitra said, “Educating a girl child is the first step towards transforming society and we are extremely glad that HTC is championing this cause and supporting us in making education accessible to every child. We believe this initiative will go a long way in empowering girls and bringing them into the mainstream.”
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What is a Critical Illness Rider?
It is an add-on benefit attached to your existing health insurance policy. It provides a fixed lump sum amount if you are diagnosed with any illness listed under the rider. You become eligible for a payout solely on the basis of diagnosis, not by hospitalisation or treatment expenses.
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How a Critical Illness Rider Works
When you opt for this rider, you choose a predefined sum assured. If you are diagnosed with a covered illness, the insurer pays the full amount in one lump sum. The payout can be used for treatment, recovery, income replacement, debt repayment, or even lifestyle adjustments.
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Key Features of a Critical Illness Rider
Here are some of the key features of a critical illness rider:
Lump Sum Benefit
The most important feature is the lump sum payout. You are not restricted to medical usage. This flexibility allows you to handle non-medical costs that often arise during long-term illness.
Coverage for Major Illnesses
Critical Illness Riders usually cover life-altering conditions such as cancer, heart attack, stroke, kidney failure and major organ transplants. The exact list varies across insurers, so reviewing covered conditions is essential.
One-Time Claim Structure
In most cases, once a claim is paid, the rider terminates. This is because it is designed to address high-impact illnesses rather than recurring medical needs.
Affordable Premium
Since it is an add-on, the premium is lower than that of standalone critical health insurance plans. This makes it a cost-effective way to enhance your existing health insurance policy.
No Hospitalisation Requirement
You don’t need to be hospitalised to receive the benefit. Diagnosis alone is enough to avail the benefits. But ensure that all the policy conditions are met.
Income Protection Support
During critical illness, loss of income can be more damaging than medical bills. The rider helps bridge this gap by offering financial stability when you need it most.
Who Should Consider a Critical Illness Rider
If you have dependents, loans or limited savings, this rider adds meaningful protection. It is also relevant if your employer-provided health insurance policy focuses mainly on hospitalisation and lacks income replacement support.
Conclusion
A Critical Illness rider strengthens your health insurance policy by covering financial gaps that regular medical coverage often ignores. It gives you control, flexibility and immediate support during serious health events. Before choosing one, review the list of covered illnesses, waiting periods and claim conditions carefully. When structured correctly, this rider can protect not just your health expenses but also your financial stability during challenging times.
