Super top-up plans are generally less expensive
It offers financial relaxation when hospital bill crosses your base cover
But are such plans available at <10k pa for a 25 yo?🤔
Yes!🤩 Read to know more about riders👇
You can get a ₹ 1 Crore health cover at just ₹ 10k p.a.🤯
No absurd assumptions or riders, promise🙏
Read on, I'll teach you how to get it 👇👇
And everything about Health Insurance 🤩
Super top-up plans are generally less expensive
It offers financial relaxation when hospital bill crosses your base cover
But are such plans available at <10k pa for a 25 yo?🤔
Yes!🤩 Read to know more about riders👇
Go to IRDAI's website and check for their Annual Report
See which all insurers have:
1. Claim Settlement Ratio of 90-95%+ AND
2. Incurred Claims Ratio of >70-75%
Choose any one of them!
This is a very important limit
If room rent limits get triggered,
you'll have to bear other expenses on pro-rated basis
e.g., Room Rent limit 3k, amount incurred 5k
Then you will have to bear other expenses also to the tune of 40% [(5k-3k)/5k]
Co-pay is the share payable by the insured and insurer
Make sure you get 100% paid by the insurer
GOLD HACK: Unless, your parents' premium is too high, you can get 20% co-pay option and reduce it
I've seen how corporate plans are like
You will end up paying a good chunk from your pocket
Moreover, no one will take care of you / your family once you start-up
Or fall sick between joining one company and the other
Good healthcare in unfortunately private in India, just like US
There is a famous saying in the US,
"You will have to sell yourself to get treated in America."
Healthcare inflation in India is 14% p.a.
GET ONE TODAY!!!
Say, you got ill once and bill was INR 8L
You get ill again, and the bill is 5L
Base cover was 10L and you don't have super-top up
Restoration benefit will save you here. It replenishes even if you exhaust it in the same year
Because Medical inflation in India is increasing at 14% p.a.,
so will the premiums.
Lock lower premiums today, if your pocket allows!
----
More on Health Insurance for some other day
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Mr. Patrick, one of the chief scientists at the Army Biological Warfare Laboratories at Fort Detrick in Frederick, Md., held five classified US patents for the process of weaponizing anthrax.
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Under Mr. Patrick’s direction, scientists at Fort Detrick developed a tularemia agent that, if disseminated by airplane, could cause casualties & sickness over 1000s mi². In a 10,000 mi² range, it had 90% casualty rate & 50% fatality rate
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