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    Why Buying a Health Insurance Now is Very Important Than Ever?

    Last Updated On 08-07-2020

    Most individuals want their lives to be stable without any unpredictability. But, the uncertainty of life has always managed to upset our regular lives, especially with unwanted health emergencies. This is where proper health insurance comes in handy because it takes care of the financial aspect. A health insurance plan can provide you with a much-needed cover in the most critical situation when people are exposed and vulnerable. Nonetheless, there are some other significant reasons as well that can convince you to purchase health insurance.

    1. The Rise in Lifestyle-Related Illness
      With the growing service sector in India, sedentary lifestyle has become a part of the job profile. Moreover, the urban environment and food habits are often considered a component of this baggage. As a result, diseases like diabetes, high blood pressure, disorders in heart and lungs etc. are common sightings among a large section of the urban population. However, there is a silver lining that most of these diseases can also be treated very easily in hospitals across India. Hence, having medical insurance can go a long way safeguarding you financially from any such emergency.
    2. It is Not Just Limited to Hospitalisation
      There is a common misconception that health insurance plans only include admission to a hospital. Most health insurance plans in India have the option of getting insurance coverage for OPD as well as daycare procedures. In most cases, it also covers the vector-borne diseases as well as provides maternity expense cover for both the mother and child.
    3. Your Employer’s Insurance May Not Be Enough
      It is observed that earning individuals who are already covered by their employer are reluctant to get a health insurance plan. However, it must be emphasised that employer’s insurance plans are usually very conservative both in terms of money as well as diseases covered under it. Furthermore, in many instances, the employer’s plans consider only the earning individual and not the members of her/his family. So, it is imperative on your part to thoroughly check with the employer about the intricacies before deciding on not purchasing an insurance plan.
    4. Rising Medical Inflation in India
      Technology and automation have not just rocked the manufacturing but also the medical sector. With the advent of advanced medical equipment, the cost of the medical treatments has also skyrocketed. Moreover, advanced healthcare is mostly available with the private sector, so the market economy also comes into the picture, which is why inflation is its natural outcome. Most health insurance plans in India take into consideration the dynamic nature of the health care sector before finalising their policies.
    5. Protect Your Savings & the Peace of Mind
      Having health insurance provides you with a stress-free lifestyle as it mitigates financial uncertainty when it comes to health emergencies. No matter how much you save, the health crisis is bound to drain out most of the savings leaving you gasping for breath, especially if you have a mid-level earning capability.
    6. Complete Family Protection
      Most health insurance plans in India extend protection to insurance holder’s families as a part of their policy. So, this makes your life easier as you can get a complete package that safeguards both your aged parents as well as your new-born child.
    7. The Early the Better
      Eventually, as most of us must buy an insurance cover due to any one of the aforementioned reasons, why not buy it at an early stage when the cost of the premium would be low, and the coverage would be high.

    Health insurance has always been a part of our discourse, especially in urban work-sphere. However, there are some caveats that need to be worked out before purchasing any insurance. The most basic being the exclusion and inclusion parameters of the insurance policy. Another important element for consideration is the claim settlement ratio of the insurance provider. Additionally, as a policyholder, you must also validate the trustworthiness of the insurance company through its market share and audit reports of IRDAI. In case you need more information, you can get in touch with the customer service and enquire all the details regarding the insurance policy.
    PNB MetLife has launched a health insurance PNB MetLife Mera Mediclaim Plan which is combination of health insurance and life insurance which will ensure good health and good life.
    Visit website to know more on Mera Mediclaim Plan, term plan and term insurance.

    Whether you are trying to lose weight or making a shift towards a healthy life, understanding your BMI (Body Mass Index) is one of the first necessary steps you can make. The BMI calculator can indicate your body’s fat content based on your weight and height. Once you have a clear view of this, you can go through different health insurance plans on the PNB website and secure your future financially against the growing healthcare costs. 


    The aforesaid article presents the view of an independent writer who is an expert on financial and insurance matters. PNB MetLife India Insurance Co. Ltd. doesn’t influence or support views of the writer of the article in any way. The article is informative in nature and PNB MetLife and/ or the writer of the article shall not be responsible for any direct/ indirect loss or liability or medical complications incurred by the reader for taking any decisions based on the contents and information given in article. Please consult your financial advisor/ insurance advisor/ health advisor before making any decision.

    Mera Mediclaim Plan is an Non-Linked, Non Participating, Combi Insurance Plan (UIN: 117Y102V01). It is advised to familiarize yourselves with the policy benefits and policy service structure of the ‘Mera Mediclaim Plan’ before deciding to purchase the policy. Please read the sales brochure carefully before concluding any sale. This product is jointly offered by 'PNB MetLife India Insurance Company Limited' and 'Religare Health Insurance Company Limited'. PNB MetLife is lead insurer for this product. The risks of this ‘Mera Mediclaim Plan’ are distinct and are assumed / accepted by respective insurance companies as per their underwriting guidelines. The liability to settle the claim vests with respective insurers, i.e., for health insurance benefits 'Religare Health Insurance Company Limited' and for life insurance benefits 'PNB MetLife India Insurance Company Limited'. The policyholders of the ‘Mera Mediclaim Plan' are eligible to continue with either part of the policy, discontinuing the other during the policy term. Goods and Service Tax (GST) shall be levied as per the prevailing tax laws which are subject to change from time. Tax benefits are as per the Income Tax Act, 1961, & are subject to amendments made thereto from time to time. Please consult your tax consultant for more details. Cash payment is not eligible for tax benefit under Sec 80D of Income Tax Act, 1961.
    Religare Health Insurance Company Limited Regd. Office -  5th Floor, 19, Chawla House, Nehru Place, New Delhi-110019 | IRDAI Regd. No.: 148 CIN - U66000DL2007PLC161503. Correspondence Address -  Vipul Tech Square, Tower C, 3rd Floor, Sector – 43, Golf Course Road, Gurgaon – 122009 Call:1800-102-4488|1860-500-4488

    PNB MetLife India Insurance Company Limited - Regd. Office : Unit Nos. 701, 702 & 703, 7th Floor, West Wing, Raheja Towers, # 26/27, M.G. Road, Bengaluru – 560 001. IRDAI Regd. No.: 117 CIN.: U66010KA2001PLC028883 Phone: 080–6600 6969, Fax: 080 – 25585815, Email: Write to us at: Office Unit No. 101, 1st Floor, Techniplex-1, Techniplex Complex, off Veer Savarkar Flyover, S V Road Goregaon (West), Mumbai – 400 062, Phone: 022 4179 0000, Fax: 022 - 41790203
    The marks “PNB” and “MetLife” are the registered trademarks of Punjab National Bank and Metropolitan Life Insurance Company, respectively. PNB MetLife India Insurance Company Limited is a licensed user of these marks.
    Religare is a registered trademark of  RHC Holding Private Limited used under license by Religare Enterprises Limited and its subsidiaries. 


    • IRDAI is not involved in activities like selling policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.


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    As your trusted life insurance partner, PNB MetLife is with you amidst the current COVID-19 outbreak. Our policies also cover COVID-19 Claims. In case of a Death Claim, kindly submit the signed Claim Intimation Letter mentioning the policy number, brief of the insured event and other claim documents on the email mentioned herewith. Please write-in to us at or You can also call us on 1800-425-6969 for death claims intimations and for any queries on Monday - Saturday between 10:00 am - 7:00 pm.

    PNB MetLife Insurance, amongst the trusted Life Insurance companies in India, aims to provide a wide range of Life Insurance products that suits the needs of an individual at every stage of his life. Life Insurance Plans range from Term Life Insurance PlansTerm PlanProtection PlansLong Term Savings Plans , Retirement Plans & Child Education Plan.

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