A rule of thumb is to
take a health insurance cover that is at least 50 per cent of your annual income.
At young age, you
have many options. Here is an approach to choose the right cover.
Shortlist the
health insurance plans that have no disease sub - limits, no co - pay & no
room rent restrictions. These conditions significantly affect your admissible
claim amount.
If either of
you have a pre - existing condition, then filter plans with least waiting
period for pre - existing diseases. Then, compare
costs that is premium.
When buying health
insurance cover, do not compromise on the sum assured. A rule of thumb is to
take a cover that is at least 50 per cent of your annual income.
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