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 🤩
1/ Get a health cover of ₹10L and super top-up of ₹90L
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👇
2/ How should I choose my insurance company?
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!
3/ Room Rent Limit
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]
4/ Co-Pay Limits
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