Why do I need Health Insurance?

Medical spends as an expense head has been increasing for most families. This is partly because of speciality hospitals and better facilities available in them and partly because of the lifestyle which most people lead nowadays. You may also want to blame the increased pollution levels and stress levels at work and on the road for the increase in medical expenses. Health Insurance is a cover against all un-expected and un-planned diseases, accidents and other medical uncertainties which can be a huge drain on anyone's pocket.