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Recently a friend of mine approached me with an interesting question. He had his company health insurance coverage of 3 Lakhs and his own personal health insurance of another 3 Lakhs. He wanted to increase the coverage of his personal health insurance because he felt that a mere 3 lakh coverage would be very insufficient with the rising cost of treatments. In the current scenario, a coverage of 3 Lakhs or even 5 lakhs may become inadequate. I suggested him a Super Top Up policy, which would work along with his current policy, without having to     increase the coverage of his personal health insurance. He was hearing about such a policy for the first time. Many of us face similar situations as most of the organizations, irrespective of whether government or private, provide all their employees with a basic health insurance coverage of up to 3 L or 4 L.   So, the ideal way to enhance the health insurance coverage in the most economical way is to buy a Super To...

Health is  wealth. We all know that it is the most precious asset for all of us. In this time of  pandemic, we need to be double conscious about our health conditions. Imagine a situation where one of us get infected and require hospitalisation. It will surely affect our financial condition and will erode our hard earned money. In such situations, to protect from the high cost of treatment, everyone should opt for a health insurance. Currently, many insurers, both public and private sectors are offering health insurances. There are few things , which are very important that one should be aware while buying a health insurance plan. Health insurance policies cover expenses related to hospitalisation or for treatment of illness identified under day care treatment. Many friends  have told  me that they have  purchased health insurance and are  paying premium regularly but with no benefit. My answer to that is ; the benefit of taking healt...