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Check for disease-wise capping, limits while buying health policy

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I am employed and covered by group health insurance of my employer for up to ₹4 lakh, which includes my parents. I would like to buy a top-up option with this health insurer, but I am not sure whether I should go for a top-up option or buy a separate health insurance.

I am 29 and have plans to get married within the next one year. Given this situation, is purchasing a separate health insurance a good option?

If yes, then which insurance policy should I go for among the two options I have: ICICI Lombard or HDFC Ergo? —Vikas Bakshi It is generally a good practice to maintain independent coverage separate from an employer’s health insurance plan.

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