I am a Senior Technical Consultant in a Multinational Firm (Electronic Data Systems Private Limited) at Gurgaon in Haryana for past nearly 3 years and work in shifts for American clients. As per contract norms it is mandatory for me to opt for a mediclaim ,Consequences are Mental strain, state of continous fear (of not getting claim ; can't manage proper treatment at some big hospital) & being trapped. Feeling of suddenly having got in-curable desease by my wife, which is leading her slowely towards mental disorder.