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Health Insurance for my mother aged 61 years
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25 Jul, 2021
by Ankur Asthana
I am looking to buy a health insurance policy for my mother.She is 95 kgs/61 years of age right now suffering from osteoarthritis & cervical problems (no family history of any serious illness). Please suggest me how should I divide total coverage required for about 25 Lacs between base policy and super top up. I am planning for Health contingency fund of 25 lacs in coming 15 years for her for which i have already started SIP. Considering current health situation please suggest me right coverage with breakup for planning next 30 years.
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01 Aug, 2021
Ankur Asthana
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Dear Ankur
Kudos to you for taking care of your mother .
My answer
1. Due to weight and pre existing diseases of your mother , she may not get super Top up .
2. Go for basic plan with sum assured of Rs 20 lakh keeping in mind your long term planning .
3. To reduce the premium , accept 20% co pay .
4. Look for features like medical tests , waiting period for PED , restore ,exclusions
5. 20 lakh will be good cover for next 30 year .
Hope this clarifies, ask for any clarifications .
Best wishes
Shailesh
InsuranceSamadhan