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Health insurance is a contract where an individual or group buys health cover by paying a fee called "premium".Health insurance is an insurance which covers your hospital bills and expenses.
There is a popular saying about health insurance: "Buy health insurance when you don't want it, because you may not get it when you want it."
Health insurance provides coverage for expenses incurred for hospitalization whether planned or an emergency. With medical inflation at approx.15% failing to hold adequate amount of health insurance cover can prove to be a major personal financial disaster. This could lead to either poor health care because of non-affordability or spiral an individual into financial distress due to high medical bills.