I am 43 years old with two kids and currently posted in Mumbai. My spouse is 39 years old. I want to buy a health insurance policy for my family of three dependents.
Please suggest suitable health insurance policy options. Also, suggest how much insurance cover would be enough in Mumbai and what factors I should look into while choosing 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.
24788(Base)+ ₹2079(Super Top-up)= ₹26867 2. ₹10 lakh of Prohealth Protect Plan from Manipal Cigna + 30 Lakh of Super top-up plan - ₹28524 (Base) + ₹2490 (Super Top-up) = ₹31014 3. ₹50 Lakh of Lifetime Health Plan - Domestic from Manipal Cigna Health insurance Co. - ₹32214 Factors to consider before choosing the right health insurance: 1. Selecting the right insurance amount/Sum insured: At the time of selecting a health insurance plan, one should select the amount wisely as it covers the medical expenses for a year.