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

Why Mediclaim Policy Needed?

• Every human suffers from some illness or injury in a lifetime.


• Emergencies or illnesses can come at times without warning.


• Government hospitals are very crowded, whereas private hospitals are too expensive.


• Doctor's fees, diagnostic charges, and the medicine's value are too expensive.


• No mediclaim means you have to incur health expenses from the savings you did for your other important goals and dreams.

When should we take the mediclaim policy?

Preferably at a young age, but better late than never. Yes, this is the correct reply to this question because the premium tends to increase with age and insurance companies give a "no claim bonus" every year in which no claim is taken against the insurance policy. This policy also comes with a tax benefit of 80D of the Income Tax Act.