Should Central Govt Employees go for Medical Insurance while in Service?

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As long as you are in central govt service, there is no need for additional medical insurance. 

Going for medical insurance at an  early age will not provide a huge benefit in terms of cost since unlike life insurance, medical insurance premium keeps going up with age and health of an individual.

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When you retire, then go for a medical insurance in addition to ECHS to cater for any emergencies

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