text: Mujhe yeh lagta hai ki health insurance bhi retirement planning ka part hona chahiye, kyunki health expenses kabhi bhi aa sakte hain, tum kya sochti ho is bare mein?Haan, health insurance toh zaroori hai, lekin uske saath emergency fund bhi banana padega, kyunki kabhi kabhi unexpected kharch ho sakta hai, samjha kya?