According to the latest report by the WHO’s World Global Ambient Air Quality Database, nine in every ten people in the world are breathing air, which is laden with pollutants, much above the permissible limit. The report also listed India as one of the most polluted countries in the world regarding air pollution, with as many as 7 Indian cities featuring in the top 15 most polluted cities of the world. If you are living in one of these cities, you must have term insurance.
In cities where air pollution is rampant, the population is at an elevated risk of contracting health issues such as lung cancer, heart disease, chronic obstructive pulmonary diseases, and respiratory infections. Therefore, you need to protect yourself and your family from the aftereffects of pollution, both physically and financially.
While an air quality monitor and face masks may help you reduce the risk of inhaling impure air, you would also need to think long-term financial security and invest in a term insurance plan. So, if you are living in any of the following Indian cities, you need to be extra cautious about protecting your priorities.
India’s capital region, Delhi is home to nearly 19 million people and is reeling under the pressure of supporting such a vast number of people. The city faced a severe air quality crisis in 2017 as air pollution levels rose significantly to cause forced flight cancellations, closed schools, traffic accidents and sparked protests.
According to reports, huge population density, poor construction, and traffic management are some most significant factors that contribute to the city’s poor air quality. So term insurance is a must for the people living in this city.
2. Patna - Bihar
Another capital city to be ranked among the most polluted areas of the world is the Patna, the seat of power in Bihar. The city owes its rising level of airborne pollutants to the developmental activities and large population. The poisonous gases from the chimneys and factories are polluting the entire cityscape and nearby areas.
Further, the extensive construction activities add on to the woes, by increasing the value of the particulate matter in the air. Further, the nearby industries dispose of their effluents directly into the water bodies, thus contaminating groundwater and severely affecting the agriculture as well.
3. Agra – Uttar Pradesh
For centuries, Agra had been an essential part of Indian culture, showcasing the iconic Taj Mahal on its elaborate skyline. In recent years; however, the area has seen a tremendous rise in the level of industrial effluents in its air. As a result, Agra now notoriously features among the most polluted cities in India.
The effect of air pollution is so expensive here that it has resulted in corroding the white marble dome of the Taj. The increasing pollution levels not only put us at severe risk of contracting cardiovascular diseases but are also responsible for the number of road accidents that are caused due to poor visibility. If you have term insurance, you can fight with the financial issues resulting from the health problems.
4. Gurugram – (Gurgaon, Haryana)
While the city was once part of the pollution free and green environment of the Haryana state, its conditions have significantly deteriorated due to the rapid industrialization and the rise of commercial entities in and around the area.
As a result, both central and state governments are insisting on putting the right checks to control the situation and encouraging the citizens to contribute towards reducing their energy footprint.
5. Varanasi (Uttar Pradesh)
The holy city of Banaras or Varanasi has been a cultural landmark of the region, with its surreal roster of temples and refreshing waters of the Ganga. However, the city too is reeling under the impact of effluents from its plethora of cremation centers and industries alongside the banks of river Ganga.
These plastic and fertilizer manufacturing industries are further playing their part in deteriorating the air quality in and around the area, thus posing a real threat to the health of its citizens.
Term insurance can be your way out of worries
WHO’s latest data on the effects of pollution on our declining health is an eye-opener. The rising pollution levels are not only putting us at an increased risk of critical diseases but are also threatening to jeopardize our family’s future, should anything happen to us.
Therefore, you need to be proactive in protecting both physical and financial interests of your family.
One way to secure your family’s future is to buy a term plan as soon as possible. Nowadays, reputable insurers such as Future Generali are offering a variety or term insurance plans that are not only cost-effective but also pack some benefits. Also, you also have the option to compare online between the best term plans in India and then opt for the one that offers the best possible combination of benefits.