What is it?
Health insurance covers medical expenses arising from hospitalisation, surgeries and treatments, subject to policy terms.
Key Features
- Individual and family floater plans
- Cashless network hospitals
- Top-up and super top-up options
Potential Benefits
- Protects savings from medical costs
- Possible tax benefits under Section 80D
- Preventive health check-ups in many plans
Risks
- Waiting periods and exclusions
- Sub-limits and co-pay clauses
- Premiums rise with age
Who May Consider It?
- Everyone — individuals, families and senior citizens
Frequently asked questions
1. Is employer cover enough?
Employer cover may end when you change jobs and can be limited; a personal policy adds continuity.
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