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Health insurance plans in India are essential as they cover medical expenses, reducing financial strain from unexpected healthcare costs. They ensure access to quality care, including hospital stays, surgeries, and routine check-ups, safeguarding against high out-of-pocket payments. Additionally, they often offer preventive services, encouraging early treatment and healthier living. Without insurance, medical emergencies or chronic illnesses can lead to significant debt or inadequate care, impacting one’s health and financial stability.