When you purchase a ₹25 Lakhs health insurance, it basically means that it is a policy that offers a sum insured of Rs. 25 lakhs to the buyer. This policy will cover medical expenses up to ₹25 Lakh for the buyer. A ₹ 25 Lakh health insurance policy is appropriate for you and your family as it protects against the financial stress of hospital bills incurred as a result of any illness, or other unforeseen events. A health insurance policy, as well as the amount covered, can support you in dealing with such an sudden event without having to worry about treatment costs.
Buying Optima Secure is now easier with our No cost installment*^ plans!
How to choose best Health insurance plan under 25 lakhs
These are the factors to consider when choosing the best health insurance policy for your needs. It is important to take the
time to research and compare different policies to ensure that you choose the one that best meets your needs and budget.
Acceptable coverage amount:
Healthcare costs can be high, especially in metro cities. When selecting an individual health insurance policy, a coverage amount of 10-25 lakhs is recommended. For family floater insurance,
a coverage amount of at least 25 lakhs is recommended. This coverage amount should be enough to cover multiple hospitalizations in a year.
Affordable premium:
A higher coverage amount will result in a higher premium. However, you can lower the premium costs by opting for a co-payment clause. With a co-payment option, you share the healthcare expenses with the insurance company,
which results in a lower premium.
Wide network of hospitals:
When choosing a health insurance plan, it is important to check the list of network hospitals that the insurance company has tie-ups with. Make sure the list includes hospitals that are nearby your residence. HDFC ERGO
has a wide network of over 12,000 Cashless healthcare hospitals.
No sub-limits on hospital expenses:
Healthcare expenses can vary depending on the room type and the ailment. Choose a plan that does not include sub-limits on hospital room rent or disease. This gives you the freedom to choose the room type that you prefer.
Shorter waiting period:
A health insurance plan won't take effect until the waiting period is over. Choose a plan with a shorter waiting period for pre-existing
illnesses and maternity coverage to ensure that you have the protection you need when you need it.
Trustworthy brand:
It is important to choose a well-established and reliable insurance company with a good customer base and claim settlement ability. A company with a good standing in the market will be able to pay off any claims you make
in the future.
Best health insurance plans for ₹ 25 lakhs
The best health insurance plans with a sum assured of Rs. 25 lakh are listed below.
Product Name
Minimum Entry Age
Maximum Entry Age
Policy Tern
Sum Insured (in Rs.)
Optima Secure
Buyer: 18 years Dependent children: 91 days
65 years
1-3 years
5 Lakh - 2 Crore
Optima Restore
Buyer: 18 years Dependent children:
65 years
1 - 2 years
5 Lakh - 50 Lakh
my:health Suraksha
Buyer: 18 Years Dependent adult: 18 years Dependent child: 91 days
Features and benefits of health insurance under 25 lakhs
All-inclusive Coverage
A good health insurance plan should cover various expenses related to health, including doctor fees, specialist fees, medical and diagnostic tests, ambulance charges, inpatient expenses, hospital room rents, surgery costs,
and post-hospitalization expenses. Having comprehensive coverage will provide peace of mind during emergencies as it will reduce financial stress.
Cashless Hospitalization:
This feature allows for direct billing by the insurance company when getting treatment at a network hospital. Good insurance plans commonly offer cashless treatment benefits and a strong network of hospitals.
Pre and Post-hospitalization Coverage
Many health insurance plans offer coverage for pre and post-hospitalization expenses, up to 60 days before and after treatment, depending on policy terms and conditions.
Cumulative Bonus
For every claim-free year, the health insurance company offers a discount on premium costs for the next year.
Tax Benefits
Health insurance premiums are tax-deductible under Section 80D of the Income Tax Act. Tax deductions
can also be claimed for premiums paid for parents' health insurance.
Alternative Treatment Coverage
Some health insurance plans cover costs of alternative treatments, such as Ayurveda, Siddha, Homeopathy, Yoga, and Acupuncture, up to a specified amount.
Home Treatment Coverage
Some health insurance plans cover treatment costs taken at home, subject to terms and conditions.
How To Select the Right health Insurance Plan under 25 lakhs?
Perfect coverage
A medical insurance plan that safeguards you against a broad range of medical problems, and provides benefits like pre and post hospitalization, daycare expenses, etc, is ideal to purchase. In case you are purchasing a family health insurance plan, confirm if the policy meets the needs of each member of your family. List down your requirements, evaluate plans
on benefits and costs, and then choose a plan that serves your needs.
Practically priced
While you cannot equate money with care for your health, because people want to cure themselves and their loved ones at any cost, but it is important to buy a health plan thatis affordable for you. Budget plays a vital role
when buying health insurance. However, you should check the benefits stated in the mediclaim policy before the price of it. The best tip is to buy a practically priced health cover at the beginning to ensure you are covered
properly and the premiums are also affordable. Then going forward, you can assess your plan and raise the cover as per the increase in your income, family size, and requirements.
Affordably priced
While you cannot equate money with care for your health, because people want to cure themselves and their loved ones at any cost, but it is important to buy a health plan thatis affordable for you. Budget plays a vital role
when buying health insurance. However, you should check the benefits stated in the mediclaim policy before the price of it. The best tip is to buy a practically priced health cover at the beginning to ensure you are covered
properly and the premiums are also affordable. Then going forward, you can assess your plan and raise the cover as per the increase in your income, family size, and requirements.
Type of plan
If you are single and don’t have to bear family responsibilities, it is practical to opt for individual health insurance plans.
But, if you are thinking of including your family members in your medical insurance policy, it is better to buy a family health plan to enjoy maximum benefits at a more affordable price.
Renewability for lifetime
At the time of buying a health insurance plan, make sure you check if you plan has lifetime renewability feature or not. It is practical and much more valuable to purchase a mediclaim policy which offers you the option of lifetime
renewability since you are most likely get be affected by health ailments as you age. Hence, choose health plans which offer lifetime renewability.
Network hospital coverage
When you buy a health insurance plan, it is extremely important to check their list of network hospitals. The best health insurance in India provides you with a large network hospital options. Also, check the number of network hospitals which are nearby your residence. With HDFC ERGO health insurance plans, you can choose from nearly 12,000+ cashless networks
where you can avail quick, convenient and cashless claims settlement!
Claim settlement ratio
The claim settlement ratio is the number of claims settled by the insurance provider over the total received claims. When choosing a health insurance plan, go for the insurance company that has a high claim settlement ratio.
The above points will help you gain maximum benefits when you look for a health insurance. Buying health insurance is basically an important investment that you are making to protect yourself from the financial load
of high healthcare costs. So, it is important that you invest in the right plan and with the right insurance company.
Who Needs a ₹25 Lakh Health Insurance Plan?
It is a known fact that healthcare expenses are extremely costly and it will further increase in the future. Treatment in the private sector has always been expensive and it will only rise with time.So, buyinga health insurance for yourself and
your family is necessary. Hospitalization costs can cause a huge financial dent in your savings and make your life stressful. Further, if the onlyearning member of the family falls sick, it causes even more mental and financial stress. All
of this can be avoided by purchasing and paying the premium for a health insurance that will cover your medical expenses in the event of an emergency. Whether you buy a ₹25 Lakh health insurance plan or of any amount, it all depends on your
health requirements.
Just like every other health insurance plan, we also cover your hospitalization expenses such as room rent, ICU, investigations, surgery, doctor consultations etc due to illnesses and injuries seamlessly.
Mental Healthcare
We believe mental healthcare is just as important as hospitalization due to physical illness or injury; hence, we cover hospitalization expenses incurred for treating mental illnesses.
Pre & Post Hospitalisation
It means all your pre-hospitalization expenses upto 60 days of admission and post-discharge expenses till 180 days get covered, like the costs for diagnostics, physiotherapy, consultations, etc.
Day Care Treatments
Medical advancements help in wrapping up important surgeries and treatments in less than 24 hours, and guess what? We cover you for that as well.
Home Healthcare
In case of hospital bed non-availability, if the Doctor approves treatment at home we cover you for that as well. So that, you get medical treatment right at the comfort of your home.
Sum Insured Rebound
This benefit acts like a magical backup, which recharges your exhausted health cover to treat the next hospitalization. Basically, we ensure uninterrupted medical coverage at the time of need.
Organ Donor Expenses
Organ donation is a noble cause and we cover the medical and surgical expenses of the organ donor while harvesting a major organ from the donor’s body.
Recovery Benefit
If you stay in a hospital for more than 10 days at a stretch, then we pay for other financial losses that might have happened due to your absence at home. It helps to take care of other expenses during your hospitalization.
AYUSH Benefits
Let your belief in alternate therapies like Ayurveda, Unani, Siddha, and Homeopathy stay intact as we cover hospitalization expenses for AYUSH treatment as well.
Free Renewal Health Check-up
Get a free health check-up within 60 days of renewing your policy with us.
Lifelong Renewability
Once you get yourself secured with, our health insurance plan there is no looking back. Our health plan continues to secure your medical expenses for your entire lifetime on break free renewals.
Multiplier Benefit
If there is no claim in the first year, in the next policy year, the sum insured will grow by 50%. It means, instead of ₹ 5 Lakh, your sum insured would now stand at ₹ 7.5 Lakh for the second year.
The above mentioned coverage may not be available in some of our Health plans. Please read the policy wordings, brochure and prospectus to know more about our health insurance plans.
Adventure Sport Injuries
Adventures can give you an adrenaline rush, but when coupled with accidents, it can be hazardous. Our health insurance plan does not cover accidents encountered while participating in adventure sports.
Self-inflicted Injuries
If you ever end up causing injury to your precious self, then unfortunately our health insurance plan will not cover for self imposed injuries.
War
War can be disastrous and unfortunate. However, our health insurance plan does not cover any claim that is caused due to wars.
Participation in Defence Operations
Our health insurance plan does not cover accidental injury while you are participating in defence (Army/Navy/Air Force) operations.
Venereal or Sexually Transmitted Diseases
We do understand the criticality of your disease. However, our health insurance plan does not cover venereal or sexually transmitted diseases.
Treatment of Obesity or Cosmetic Surgery
Treatment of obesity or cosmetic surgery is not eligible for coverage under your health insurance plan.
3 Sum Insured Rebound
This benefit acts like a magical backup, which recharges your exhausted health cover to treat the next hospitalization of a new illness or injury.
Cashless Home Health care**
If your Doctor recommends, you can get yourself treated at home and avail cashless medical facilities with utmost ease. This service is now available in 16 cities.
Hospitalization Expenses
Just like every other health insurance plan, we cover you for your medical hospitalization due to illnesses and injuries seamlessly.
Pre & Post Hospitalisation
It means all your pre-hospitalization expenses upto 60 days of admission and post-discharge expenses till 180 days get covered, like the costs for diagnostics, consultations, etc.
Daycare Procedures
Medical advancements help in wrapping up important surgeries and treatments in less than 24 hours, and guess what? We cover you for that as well.
AYUSH Benefits
Let your belief in alternate therapies like Ayurveda, Unani, Siddha, and Homeopathy stay intact as we cover hospitalization expenses for AYUSH treatment as well.
Organ Donor Expenses
Organ donation is a noble cause and we cover the medical and surgical expenses of the organ donor while harvesting a major organ from the donor’s body.
Recovery Benefit
If you stay in a hospital for more than 10 days at a stretch, then we pay for other financial losses that might have happened due to your absence at home. It helps to take care of other expenses during your hospitalization.
Mental Healthcare
We believe mental healthcare is just as important as hospitalization due to physical illness or injury; hence, we cover hospitalization expenses incurred for treating mental illnesses.
Free Renewal Health Check-up
Get a free health check-up within 60 days of renewing your policy with us.
Lifetime Renewability
Once you get yourself secured with, our health insurance plan there is no looking back. Our health plan continues to secure your medical expenses for your entire lifetime on break free renewals.
The above mentioned coverage may not be available in some of our Health plans. Please read the policy wordings, brochure and prospectus to know more about our health insurance plans.
Eligibility for health insurance plan under 25 lakhs from HDFC ERGO
The age limit for most health insurance companies is 65 years. After that age, it is a bit difficult to get a health insurance plan because the more you age, you are more prone to health risks and that increases the risks for health insurance
companies as well. For the eligibility criteria for buying health insurance plans, below are two of the most factors that decide it:
Past medical records
You need to completely honest while buying a health insurance policy. Pre-existing illnesses, if any, need to be stated clearly. These do not
mean common diseases like fever, flu, or headaches. But, if in past you have ever been diagnosed with any disease, birth defects, undergone surgery, or cancer of any severity it is important to inform your medical insurance company. These
need to be declared because many ailments are listed under permanent exclusion, few are covered with a waiting period and few others are covered by charging additional premium with a waiting period.
Age
Any person who is 18 years or above can easily buy a health insurance plan. Health insrance plans also cover newborn babies but the parent needs to have a health insurance policy with the insurance company. Senior citizens can get themselves
insured upto the age of 65 years.
Who is this plan suited for?
In this current economic situation, and the rate at which medical inflation is increasing sharply, it is safe to say that health insurance has become a necessity. This protects you and your loved ones during health emergencies, while also helping
you plan your finances better. Now, the amount of health insurance you opt for depends on your health requirements and how much you can afford. For example, a young professional may opt for a health insurance plan for 10 lakhs. But for a middle-aged
person having two kids and dependent parents, a 25 lakh health insurance is a better option. However, due to a sudden rise in critical illnesses such as cancer, tumours, cardiac arrests and so on, having a lumpsum amount like 25 lakh health
insurance or above is the need of the hour.
How this plan works
Firstly, you buy a health insurance of your choice. Usually, your medical insurance is offered on yearly basis and it has to be renewed each year after expiry. Now, during a policy year, in the event of hospitalization of an insured person,
it’s obvious that you will make a claim for your healthcare expenses. Now, the insurance company, in case of a claim, first checks whether the treatment that is required by the insured is covered under the insurance policy.
The next step is that the insurer finds out the hospital where the insured is getting his treatment is in its network or not. If you choose a network hospital to get treated, then you’re eligible for a cashless hospitalization and the
TPA (Third Party Administrators) are the ones responsible for settling your hospitalization bills.
TPA will verify the details of your medical insurance policy and if it has a deductible clause or if the total amount of your bills exceeds the amount of your sum insured, you just have to pay the balance. And if no such clause applies, you
need not worry about anything.
Now, in case, you wish to get treated at a non-network hospital, you have to pay to hospital first, but do remember to collect all your medical bills that also includes pre & post hospitalization bills. These bills need to be submitted
to your insurer. Again, the TPA will check the clauses of your policy and calculate the total amount to be reimbursed after deducting the co-pay amount (if any) or the amount that exceeds your insurance coverage. The balance or the entire
amount of your bills - whichever is applicable, will be directly reimbursed by the insurance company.
Other Factors Which Can Affect the Premium
Pre-existing illness
Medical history is a key factor that affects your insurance premium. While buying a health insurance policy it is absolutely compulsory to submit your health records. If you have had certain health issues in the past then the insurance
company can either choose to allow it in or decide not to allow it in their policies. If the insurance company does not bear the cover of a certain disease then the policy holder usually bears the cost. This eventually increases or
affects the amount for premium.
Family health history
Genetics do play a role in shaping up your personality and over all life structure. Even your physical and emotional health is greatly affected by your family history. In case your family history records illnesses like heart disease, diabetes
or cancer then insurance companies assume that the probability of you contracting these diseases are also pretty high. In that case the size or amount of your premium is going to be higher than the amount that you needed to pay in
case your family would not have any such problem.
Age -
One of the most vital factors that can affect your health insurance premium is your age. It is a matter of common sense that a younger person runs lower health risk in comparison to a person who is older. Eg: A 22-year-old woman falling
sick because of a heart condition is certainly less likely than a man of 65 years. However there may be exceptions. However, the general rule stays that people who are younger have lower chances of falling sick or visit doctors. Hence
health insurance premium payable for a younger person is lesser than an older man.
Profession
Your choice of profession can also affect your health insurance premium. People working in profession which expose them to hazardous environment like constructions, radiation, substances are at high risk of falling prey to various diseases
like cardiovascular and various other life threatening diseases.
Documents required for buying a 25 Lakhs health Insurance Policy Online:
Not just for a 25 lakh health insurance, but in general, when buying a mediclaim policy, the following documents need to be kept handy.
Age proof - You need to provide the age proof of all the members to be insured under the health insurance policy that you have chosen. A copy of any of the following documents is valid:
Voter ID Card
Pan Card
Aadhaar Card
Driving License
Passport
Birth certificate
10th or 12th mark sheet
Address Proof – There are various communications that the health insurance company will need to send to your postal address and they also need it for their records. Following documents for address proof can be submitted:
Ration card
Driving license
Passport
Rent agreement if applicable
PAN Card
Aadhaar Card
Utility bills like electricity bill or telephone bill
Voter’s ID
Passport-size photographs – You will also need Passport-size photographs of applicants and members of the insurance plan for insurer records.
Medical reports – Some insurers demand a medical report of the applicant and members as well depending upon the plan chosen along with the coverage.
Proposal form – To buy a health insurance plan every insurer will get a proposal form duly filled in and signed by the applicant. It is used for purpose of their future records.
How to Make a Claim for Your HDFC ERGO Health Insurance
The sole purpose of buying a health insurance plan is to get financial support at the time of medical emergency. Hence, it is important to read the below steps to know how Health Insurance claims process works differently for cashless claims and
reimbursement claim requests.
Health Insurance Cashless Claims get approved within 20*~ minutes
1
Intimation
Fill up the pre-auth form at the network hospital for cashless approval
2
Approval/Rejection
Once hospital intimates us, we send you the status update
3
Hospitalisation
Hospitalisation can be done on the basis of pre-auth approval
4
Claim settlement
At the time of discharge, we settle the claim directly with hospital
We settle reimbursement claimswithin 6~* hours
1
Hospitalisation at non network hospital
You need to pay the bills initially and preserve the original invoices
2
Register a claim
Post hospital discharge send us all your invoices and treatment documents
3
Verification
We verify your claim related invoices and treatment documents
4
Claim Settlement
We send the approved claim amount to your bank account.
Compare our Best Health Insurance Plans
No Cost Installment Available*^
Optima Secure
Optima Restore
my:health Suraksha
my:health Koti Suraksha
my:health Women Suraksha
my:health Medisure Super Top-up
Critical Illness Insurance
iCan Cancer Insurance
Just launched
Optima Secure
4X Coverage*
Wider Pre & Post Hospitalisation
Free preventive health-check ups
Key Features
Secure Benefit: Get 2X coverage from Day 1.
Restore Benefit: 100% restores your base coverage
No Cost Installment*^ Option: Credit and Debit card holders can now opt for the No cost instalment*^ option
Aggregate Deductible: You can enjoy up to 50% discount every year by choosing to pay a little bit more. You also have the super power to waive your opted deductible at renewal post completion of 5 years under
this Policy@
No Medical Test Upto 45 Years: It’s better to be safe than sorry! Secure your health when you are young to avoid medical tests.
Free preventive health-checkups: We offer free health check-ups so that you are healthier and happier always
Cumulative Bonus: Don’t think that your health insurance plan is of no use if you do not make a claim. It rewards you with additional 10% to 25% sum Insured upto a max of 200% depending on the plan
opted at the time of renewal.
50 Lacs & 1 crore cover options: Choose your health cover from two options of sum insured as per your needs.
No room rent capping^*: Get the freedom to choose any room upto a standard private AC Room.
Wider Pre & Post hospitalisation: We offer wider coverage of 60 days for pre-hospitalisation and 180 days for post hospitalisation expenses towards investigations, therapies and consultation charges.
Cumulative Bonus: Get an additional 10% of the sum insured on every claim-free renewal, which can go up to a maximum of 100%.
Works on Aggregate Deductible: This health plan comes in action once your all round total claim amount reaches the aggregate deductible in a year, it’s not necessary for a single claim to meet the deductible
unlike other top-up plans.
No health checkups upto Age 55 : It’s better to be safe than sorry! Secure your health when you are young to avoid medical tests.
Pay less, Get more: Opt for a long-term policy of 2 years and get a 5% discount.
The 25-like health plan is quite a good and comprehensive option that you can choose if you have a lot of health expenses and need support. At the same time, it is also very important to make sure that the health care
needs of you and your family are under the right plan, which can help you whenever you need it. A very important thing that I will tell you in this aspect is that no matter which helps plan you are buying, be
it a 20, 25 lakhs or even one crore Healthcare plan, the age specifications for each of them are set at the same. The minimum age to buy a health insurance plan is 18, and the maximum is 65 years old. Individuals
who do not fall under this age are not the right option to buy the plan; hence, which provider you choose will not be accurate.
2. Is it useful to buy a health plan with 25 lakh sum insured?
The first thing you need to understand is that when it comes to buying a one crore sum insured health insurance plan, the most common implication is that you will get health benefits up to rupees 25 lakh. Now, if you
have a big family and at the same time, the needs of you, as well as your family members for health care requirements, are recurring. I suggest you go for the 25 lakh sum insured health insurance plan because this
comes with a lot of amazing value-added services. Also, another very important thing about the health insurance plan is that if you have individuals at your home who are fighting diseases like cancer or you
are one of them, then the 25 lakh sum insured plan is the best indeed. Finally, health insurance is like a safety net; you need to know when a medical emergency can arise.
3. Is COVID-19 treatment covered under 25 lakhs Health Plan?
With the covid-19 pandemic causing harassment worldwide, the common question that many people are asking nowadays is whether covid-19 treatment is covered under healthcare plans. The most important thing you need to
remember in this aspect is that the coverage of the covid-19 treatment under the 25 health plan is separate; hence, different providers have different schemes. The inclusion depends on which brand you choose, and
consequently, based on that, you will be able to ascertain the same. If you want more information on the same, I suggest you get in touch with professionals who have complete knowledge and can thus help you. Not only that, another very important thing about the COVID coverage is that there are usually a few different COVID specific insurances as well. If this is the ultimate need, you can choose the COVID Kawach from
HDFC ERGO, which will help you get maximum coverage during COVID.
4. What is the grace period on 25 lakhs Health Plan?
Irrespective of which health care plan insurance you choose, there are no doubts that most providers will provide you with a buffer period or grace period. What is the grace period? The grace period ensures that even
after the time frame for renewing the health insurance policy has passed, you can renew the same without any added expenses. Now, the grace period for every health insurance provider is very different and giving
you a cohesive answer will be very difficult not knowing which plan you have signed up for. At the same time, it is also very important to mention that the minimum grace period for any health insurance plan currently
starts from 15 days.
Not only that, for the insurance amount, which is high in amounts like 20 lakh,25 lakh or even the one crore health insurance plan, the grace period you will is quite high.
5. Does 25 lakhs Health Plan offer any value-added services?
When it comes to value-added services, along with the 25 lakhs health plan, I first need to ask you which insurance you are covered under. For example, my 25 lakh health plan is under none other than the very enterprising
HDFC ERGO, and just like any other health insurance plan provided by HDFC ERGO, this one is extremely lucrative and allows me a lot of promising health plan services. If you think that you want a complete idea about
the value-added services that you can choose, then the ultimate option that I can help you with is to get in touch with the professionals who will guide you on this. Not only that, the value-added services
are very important because these will give you precedence over the other available options. The only thing that you need to do is choose the right option.
6. Who should buy the 25 lakhs insurance plan?
If you want to buy the 25 lakh insurance plans, the first thing you need to understand is if the plan is right for you and if you can make complete use of the money you are paying. The most important thing you need
to understand in this respect is that when it comes to the 25 lakh insurance plan, it is quite a high insured amount, and consequently, the implications of the same are different. It isn't easy to decide who should
buy the 25 lakh insurance plan because healthcare is not anticipated, and hence the need can arise at any point in time. It is very important that when it comes to the 25 lakh insurance plan, you can buy it
if you have individuals at home with constant health care requirements. If you are exposed to high risk, buying it on the safe side is crucial.
7. If I buy 25 lakhs health insurance is there any limit on how much I can claim in one go?
As per my knowledge, there are no limits on how much you can clean in one go respective of whether you buy the 25 lakh or even the one crore health insurance plan. At the same time, you need to remember that when it
comes to claiming any insurance, you cannot choose to claim the amount of money you have already used. What does this mean? Supposedly, you have 25 lakh insurance as in this case, in some previous requirements and
that too in the specific year, you have already used 10 lakh rupees from your health insurers plan. It automatically implies that you can now use up to Rs. 15 lakh only because the rest is already used. However,
sometimes there are changing rules depending on the insurance provider; before you buy the health plan, it is best to check with your provider and understand the terms and conditions.
Conclusion
In a nutshell, a 5 lakh health insurance policy may be sufficient for some and not be enough for some. You need to make a careful and calculated choice before deciding on the amount you are ready to invest on a health insurance policy. The
amount will also depend on you and your loved ones’s medical requirements. However, the most important thing is having a good health insurance plan. A healthcare emergency can occur any time and a mediclaim policy helps you to deal
with such situations. So, keep the above points in mind to make an informed decision.
For all the family members of the family you buy a separate health insurance. The sum insured can be of your choice for all the members which may will vary based on age, lifestyle etc; however, there is no discount benefit like you
get in individual sum insured basis plan and for all members you will get separate policy numbers.
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