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Health Insurance

Why buy a health policy?

I have a company policy and hence not going to use the other personal policy that I buy?
I am young so I am not going to use this policy till the time I retire?

Then why should I pay the premium NOW??

Kindly help me with the about questions?

Do not provide the answer that in case company coverage is less you would be getting additional coverage.

What I am trying to ask is:

Does my coverage keep increasing If I do not claim a year? say for example I do not claim for 10 years what happens to my premium or coverage?
What if I do not claim for the entire policy tenure? Do I loose my entire premium that I paid?

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