Many people are of the view that paying a health insurance premium is a loss for them. In addition, they feel that they may not be sick forever or that paying from their own pocket is more beneficial than having a personal health policy. So, I have calculated an Excel template for you to analyse the return on investment that you will get if there is a claim in any year. If the roi is some 7% and above, that means your health insurance policy is giving wonderful profits or protecting you from huge losses. How to use this health …