I am 38 years old and a father of two (8 Yrs and 14 Yrs). I want to buy a health insurance plan. Considering the Covid scenario and increased medical expenses, I want to get a decent insurance coverage for my family for the best possible price.
Kindly guide the best way to get that. --Harsh Kumar First of all you are making the right move, though if you had bought the health insurance earlier it would have cost a little cheaper.
In order to get the higher sum assured at low cost at this age we suggest you the following options: Option 1: Manipal Cigna Pro-Health Protect plan Sum Insured - 10 lacs Premium - ₹- 25,749/- Super top-up plan with deductible of 10 lakh Sum Insured - 30 lakh Premium - ₹- 2,489/- Option 2: Niva Bupa’s “Super Saver combo" of “Reassure plan" with SI of 10 Lacs + “Recharge Super Top-up" of 90 lacs @ the lowest possible pricing for a Sum insured of 1Cr.
The premium for sum insured of 10 Lacs in Reassure plan: 24,788/- & Premium for SI of 90 Lacs in Recharge super top-up - ₹2,208.