As per recent research, compared to 1990, an average Indian man is now living longer by 7 years till age 64 and an average Indian woman is now living longer by 10 years till age 68. Even though, you may feel good about this, the sad finding is that they are living their final 8 years in bad health. Therefore, you should invest now not only towards retirement corpus for living expenses in retirement but also towards a separate corpus for healthcare expenses then. After all, health insurance may not come to your rescue then because of very high premium costs yet restricted coverage of treatments.