Mind Exclusions Before Buying Policy

I am a 29-year-old software engineer. I got married a year and a half ago and currently reside with my parents.

- Abhishek Sharma

My company provides insurance only for me and my spouse. So, I am facing difficulties in deciding which kind of health insurance l should buy to cover my parents, my spouse, and myself. I would like it to cover critical illnesses as well as hospitalisation costs, as my father has a heart condition.

It is always a good idea to have personal coverage and not depend solely on employer-provided health insurance. While buying a health insurance policy, remember that price is not the only deciding factor. Be mindful of the exclusions, especially clauses that restrict claims payout through co-payments, deductibles, and sub-limits.