1. To pay your medical treatment expenses incase of hospitalization due to any disease or accident.
2. If you have health insurance your current earning will not be effected as the cost will be borne by the Insurance Company. Health coverage can help you to limit your out-of-pocket costs, protect your assets and even safeguard your future earnings.
3. You will not have to worry about arranging money for medical treatment at the 11th hour and this will give you peace of mind.
4. Absence of any risk protection measures by the Government to bear the cost of expenses related to health
5. The cost of medical expenses is rising and it is expected that in future the cost will rise further with the inflation and ever increasing cost of medicines and other expenses.
6. Help you to save your life and of near ones since arranging of money may not be possible at a very short notice in case of medical emergency.
7. With cashless hospitalization you just need to show your ID card and the patient will be admitted. No need to pay cash for the treatment.
8. You can get best treatment in the network hospitals of the Insurance Company which was not usually affordable by the common man.
9. Many Insurance Companies offer 24 hours helpline which can help you to arrange for ambulances, get information about nearest hospitals, best doctors and so on.
10. Human life is unpredictable - even if you're healthy now and exercise regularly, you could be caught off guard by an unexpected illness or injury.
11. There has been a enormous change in the lifestyle of everyone. Life has become complex with increasing competition and ever rising expectation from family members and peers. This further increases the risk of suffering from health problems.
12. In case of critical illness the cost of treatment may be very high and it is not always possible to meet the expenses from own means.
13. If you are
Poor – You need health insurance since you have less money at disposal to bear medical expenses.
Middle class – You need health Insurance since you don’t have more money and health Insurance is must from protecting you from becoming poor since the financial burden may weaken your backbone.
Rich – You need the medical insurance most since you have more money. The risk of protecting your wealth will create more tension which in turn may result in suffering from diseases. Your life is precious since many people are dependant on you.


Dr.Rakesh Agarwal
M.Com(BIM), PGJMC,LLB,FIII,MBA,ACA,Phd

Yes... I am fully agreed with PRGINDIA. I have a mediclaim insurance of 1 lakh with National Insurance. Now I have 2 specific requirement regarding health insurance. I need such a mediclaim insurance that will suffice the following things for my mother whose age is 51.
1. She is a patient of Rhematoid Artharitis. I need a cover for this existing disease(generally pre-existing deseages are covered after continuous 4 year non-claimed period.I have no problem under this condition.)

2. I also need to cover her for "Critical Illness" by some insurance that will give lumpsum in case of any of critical illnesses.

I am prefering any of Government Undertaking Insurance companies.
Please suggest some suitable plans that will suffice the above mentioned requirements.

Hi.. I am agree with you both.. Insurance is basically to secure future... No one know what will going to happen in future.. so better to prepare yourself for worst circumstances... personally i insured maximum thing relates to me.. even i also have travel insurance too...
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