With the changing lifestyle we are now more prone to critical illness and as time and tide wait for none and uncalled for ailments both drench us emotionally and financially, it does makes sense to be proactive in respect of them and prepare well in advance to confront any such future occurrence. So, now the need of the hour is not to wait until you turn 50 and instead buy the suitable health insurance plan as soon as possible.

Also, the lifelong renewal feature of the health policy should be lapped up for benefit until your life term.

Given the inbuilt features of most health insurance plan, it is all the more crucial to shell out the money and protect yourself against any future medical conditions. Some common features are:

1. Young age, more cover for a health insurance: At a young age you can obtain a higher cover for the same premium amount: As with age, the insurers generally have the notion that an individual is at a greater risk of having any medical ailment.

2. Waiting period: As far as claim on a health insurance policy is concerned, these policies come with a minimum waiting period of 30 days. In special policies which cater to life threatening diseases waiting period of even 1- 2 year applies.

In case of maternal plans which are opted to meet pre and post partum pregnancy expenses at hospitals, the waiting period that is the period after which the claim can be made is 2 years minimal in most policies.

3. Comprehensive benefits come as add on when policy is purchased at an early age: Health insurers do provide benefits as maternity benefits, dental benefits while offering pre-existing illness cover when the policy is brought at a young age. Some companies also offer no claim bonus.

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