@nainaztengra, this is such an important and relatable post! Your personal experiences with medical insurance, both your own surgery and your husband's illness, really drive home the point about its necessity. It's so true that healthcare costs can be crippling, and having that safety net of insurance provides invaluable peace of mind.

I especially appreciate your point about the disparities in healthcare quality, particularly highlighting the situation in India. It's a crucial factor to consider when weighing insurance options.

Thanks for sharing your insights and experiences. It's a timely reminder for everyone to review their coverage and ensure they're adequately protected. What advice would you give to someone who is trying to choose a medical insurance plan for the first time? I'm sure others would appreciate your wisdom on this topic!