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Home insurance in India is regarded as largely a safeguard of low significance.

Most of us do not go for home insurance. Why insure home, we ask. Only an insurance agent would tell you why you should go for insurance for your house. It may catch fire. We live in an earthquake prone zone and it is highest on the Richter scale. Your house may be exposed to burglary and there could be several reasons for you to go for insurance.

But then you give it a thought for a moment. You realize you have not heard even remotest of your family or friends having ever been affected by such accidents.

If Gujarat quake had happened close by you would have immediately gone for insurance without the agent doing much selling. The region recorded one of the highest number of insurance policies sold in the history of insurance business after the quake.
But quake in Gujarat is a history now. Unless it repeats the spurt in the business is unlikely. Home insurance in India is regarded as largely a safegua (more...)

You only can beat them if you don t get sick, but sooner or later, you or a member of your family will get sick and you will be faced with enormous hospital expenses that could eat a large chunk out of your savings. You may not feel it now because you are still very healthy and could really care less about hospital bills and medical expenses.
If you really don t want to incur huge hospital bills and other medical expenses, you should get a health plan to cover you and your families in cases of illnesses and other medical emergencies. Do not even think that getting a health plan is but another type of expense that you can do without.
Remember that if you or a member of your family get sick and you don t have any health care coverage, you could lost a lot more money than what you would pay for a health plan.

Getting sick is an inevitable event. You may not get sick now but somewhere in the future, you might to be hospitalized for one reason or another. It is always a good idea to preface (more...)