I am 32 years old, married and have a 5-year-old son. My monthly income is ₹70,000. I want to get health insurance for my family.
Kindly suggest — Name withheld on request The first thing to do while buying a health insurance plan is opt for a sum assured of at least ₹10 lakh.
This could be a family floater sum assured, so anyone in the family can use up to the full sum assured. If you have a family history of any major illness, then you can consider increasing it.
I would recommend plans that have no room rent capping, no disease-wise restriction, no co-payment and a high no-claim bonus.