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Do I have enough Coverage for my Mother?

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01 Apr, 2021 by  Rahul Kaushik

I recently got my mother HDFC Health Suraksha Gold Smart plan with 7.5 L as coverage. She's 52 now and I was able to buy it for 18,435 rs. She has Diabetes. Is the coverage enough or should I top up on the plan ? Thanks!

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1 Answer

01 Apr, 2021


As she is diabetic , I recommend super top up of rs 20 lakh .

Ideally you should reduce base sum assured to Rs 5 lakh and top up of Rs 20 lakh.

You will have adequate cover in same price .

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02 Apr, 2021
Rahul Kaushik
Thank you, sir. Should I top up with the same Insurance Provider or do you think I should go with any other? If I go with other Insurance Provider, will there be any issue during claims?
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02 Apr, 2021
Go for same insurer for simple claim settlement
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