Top-up policy may have conditions imposed on the pre-existing health issues of seniors I am 34 years old and want to buy a health insurance for my wife (31).
I can pay high premium. What is the amount of cover I should get so that I have adequate insurance for the next 15-20 years?
Also, should I buy a family floater or an individual policy? — Jatin The coverage amount should be ₹10 lakh or at least equal to your annual income.
The link between sum insured and annual income is important, as the choice of medical facility is driven by the person’s lifestyle.