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1. Increase in the incidence of lifestyle-related illnesses
Life expectancy has increased. Thanks to advancement in medicines, the average man is likely to live for around 84 years by 2040. And so has stress due to sedentary lifestyle.
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This has also given rise to the early onset of chronic diseases like cancer, lung conditions and stroke, claiming younger lives. Health insurance mitigates the financial risk that may befall a person irrespective of age.
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2. Health insurance coverage is more than just hospitalization
Most/Many health insurance plans give coverage for day care procedures and OPD, other than the treatments that involve serious hospitalization. There are also health plans that cover vector borne diseases like dengue.
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3. Increase in out-of-pocket expenses
With the healthcare industry in India witnessing double-digit inflation, it is getting extremely expensive to treat common ailments in India. As a result, this has put a dent in an individual’s pocket.
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Buying health insurance can double up as your emergency financial fund while preparing you for the troubled times.

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4. Your group health cover may not be sufficient
A group health plan may or may not cover all your family members. The sum insured limit in a group plan is also less, which may not be enough to meet all the medical expenses incurred.
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And then as you’ll grow older, you might need frequent medical attention. Before that you may not want to put yourself at the risk of being under-insured.

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According to a survey report, nearly 95% of Indians are under-insured, with those above 45 in the highest risk group

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