I don't have any form of insurance policy, probably because I don't own my own landed property or personal car, that is why I don't really see the need for it as at now.It is important to buy an insurance as we never know what will happen in the future. It is never wrong to be prepared on some unpredictable life events in life. Many business and individuals have it.
I like that health insurance, that yup make payment,anytime you need medical assistant you can you it.