Wealth & Protection
One hospitalisation is the most common way a savings plan comes undone
Medical costs in Indian metros have risen faster than almost anything else a household budgets for. Cover that looked generous five years ago frequently is not any more.
What usually goes wrong
Not every one of these will apply to you. Most households recognise at least two.
- A sum insured chosen years ago that would not now cover a single major procedure in a metro hospital.
- Ageing parents left uncovered until an age at which fresh cover becomes difficult or expensive to obtain.
- Room-rent limits and sub-limits buried in the fine print that quietly cap what actually gets paid.
- Waiting periods for existing conditions that nobody explained when the policy was taken.
Before anything is suggested
The questions that come first
A recommendation made before these are answered is a guess with a product attached.
- 01 Who is in the household, and how old is everyone?
- 02 Which hospitals would you actually go to?
- 03 What conditions already exist in the family?
- 04 What does your employer cover, and what happens if you leave?
- 05 Is there a corpus that would absorb a large bill if cover fell short?
Health cover premiums may qualify for tax benefits under Section 80D, subject to prevailing tax laws.
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