When can I actually think of buying health insurance?

[rizvan]

When can I actually think of buying insurance and should I buy health insurance first?

[shef]

Hi Rizvan, Buying a good enough policy early is much better choice than buying “best health insurance policy” after 5 yrs. So the first thing you need to do is, be 100% clear that you are buying a health insurance product NOW. Focus on core big features which really matter, and don’t get too attached to tiny points which either do not match your requirement or are different than what you want.

[hayat]

The first thing you need to know is how much you need, and how much you want.The main point behind insurance is that you can't afford it if you have a huge, costly, but statistically unlikely event.  The point of it is that if you have one of those events, you do not lose all your assets in order to pay for the event.

[aishwarya]

Health insurance is one of the most important thing. You have to put your money in its just like paying your future unknown hospital bills in EMI. My dad has paid around Rs. 10 lakhs as premium in last 40 years and has claimed for more then 15–18 lakhs. Definitely you should buy a health insurance as it has become a basic need as food clothing and shelter.