Hello Arun,

• Given the current double digit inflation in hospital bills, in our view, you should have a cover of at least 25 Lakhs by the age of 35 years. Since you have already crossed 35, you must buy this cover as soon as possible.
• Upgrades can be tricky once you have an illness, hence do not depend on upgrading covers at a later age
• Ensure there are no financial limits on surgeries/treatments and room rent in your policy.
• Ensure you make detailed declarations regarding your health when buying the policy.