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Best Health Insurance for Individual

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04 Nov, 2021 by  Satish Kundan

I want to buy a new health insurance apart from what I got from my current employer.


I am looking for a cover 25-50 lac, need a good health insurance with simple term and condition and does not have any room rent, daycare limits kind of rule.


Currently I have premium limit upto 20k, although not tight on budget, want policy for long term. So okay if I have to increase it.

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Health Insurance

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05 Nov, 2021
Satish Kundan

FYI: My age is 23 with no PED, I work in IT company.

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07 Nov, 2021

Hi Satish,


For a higher Sum Insured, Care Advantage is a good policy.


The room rent allowed is a Single AC room which in effect is as good as No capping unless you intend to go for a suite. It serves the purpose completely.


Also my personal suggestion would be to go for a base policy with a high Sum Insured instead of going for a low SI base policy + Super top up.


Hope this helps!


Cheers :)

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08 Nov, 2021
Satish Kundan
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07 Nov, 2021

Dear Satish


My compliments to you for thinking about personal health insurance .

You must plan owning a personal health insurance when you are settled and beginning family ..

Right now , you start building an emergency fund by starting a SIP of Rs 2000 per month .

In case , you still insist on health insuramce then buy a super Top up of rs 50 lakh with deductible of Rs 5 lakh .

Hope this clarifies.


Shailesh

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08 Nov, 2021
Satish Kundan
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