Health risks and uncertainties are a part of life. The rising expense of medical care, especially, in the private sector has made health insurance a necessity for everyone. It protects you and your family financially in the event of an unexpected serious illness or injury.
Buying adequate health insurance early in life gives peace of mind and ensure that you are not footing the entire medical bill on your own.

Five major reasons for getting a health insurance:

Changing lifestyle – exposure to numerous health disorders.
Rising medical costs – critical medical emergency / procedure costs are huge
Income tax benefit – under section 80D of the Income Tax Act.
Coverage of pre and post hospitalisation expenses – covers costs related to OPD and diagnostic tests
Additional benefits – cover for ambulance, day-care surgeries, health check-up, Ayush treatment etc.