The second challenge is that we will need this money for a pretty long time. UN reports point to life expectancy in India having increased by more than 10 years in just the last two decades, and this is going only one way - up! WHO statistics reveal that life expectancy at birth of 68 years in India two years ago is estimated to rise to 69 in 2017. While this seems like good news, what is worrying is the lack of adequate social security in our country. The National Health Service does not provide free medical services to all citizens. According to the National Sample Survey of India (NSSO), 85% of the rural population and 82% of the urban population in India have absolutely no health expense support. A retirement plan which also takes care of your medical expenses is thus essential.