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Health plan: cumulative bonus is no substitute for base cover
Mint Mumbai
|September 05, 2025
The insurance company has quoted a 25% higher premium than last year at renewal for my parents' health insurance policy.
The base sum insured (SI) is ₹10 lakh, with a cumulative bonus of ₹5 lakh. My parents also have a super top-up plan offering ₹50 lakh coverage with a ₹10 lakh deductible. I am considering reducing the base SI to ₹6 lakh, since with the cumulative bonus, the total cover would still be ₹11 lakh (₹6 lakh + ₹5 lakh). The reason for this change is the rising premium. Is this the right approach?
--Name withheld on request
Bu hikaye Mint Mumbai dergisinin September 05, 2025 baskısından alınmıştır.
Binlerce özenle seçilmiş premium hikayeye ve 9.000'den fazla dergi ve gazeteye erişmek için Magzter GOLD'a abone olun.
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