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What are the factors I should look into to choose a health insurance policy

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I am a 43-year-old with two kids, currently posted in Mumbai. The age of my spouse is 39. I want to buy a health insurance policy for my family with three dependents.

Please suggest me suitable health insurance policy options, how much insurance cover would be enough in Mumbai, and what are the factors I should look into to choose the right health insurance policy. -Ashish One should have at least ₹10 -15 lakh of base plan in combination with a low-cost super top-up plan from the same insurance company.

We recommend the below-mentioned options with premiums : 1. ₹10 lakh of Reassure Plan from Niva Bupa + ₹40 lakh of Recharge super top-up from Niva Bupa - Rs.

24,788(Base)+ ₹2,079(Super Top-up)= ₹26,867 2. ₹10 lakh of Prohealth Protect Plan from Manipal Cigna + ₹30 lakh of Super top-up plan - ₹28,524 (Base) + ₹2,490 (Super Top-up) = ₹31,014 3. ₹50 Lakh of Lifetime Health Plan - Domestic from Manipal Cigna Health insurance Co. - ₹32,214 Factors to consider before choosing the right health insurance: 1.

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