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Health insurance is the insurance that protects from any health emergencies & incurred hospitalization expenses. In this busy and hectic life, everybody should have a health insurance policy which can be very useful in emergencies. Health insurance is also known as mediclaim policy means the medical policy which has the same meaning.

Why Mediclaim Policy Needed?

1. Every human suffers from some illness or injury in lifetime.
2. Emergencies or illness can come anytime without giving any warning.
3. There are no good facilities in government hospitals whereas private hospitals are too expensive.
4. Doctor’s fees, diagnostic charges as well as the medicines value are too expensive.
5. No mediclaim means you have to incur health expense from the savings you did for your other important goals and dreams.

When should we take mediclaim policy? Preferably at young age but better late than never, yes this is the right reply for this question because the premium tends to increases with the age and insurance companies gives “no claim bonus” for every year in which no claim is taken against insurance policy. Also this policy also comes with tax benefit of 80D of income tax Act.