Insurance
Is a 25 lakh family floater medical insurance plan enough for a 32 year old couple with a kid ?
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Similar question, want to know what cover would be decent for self 23 years + parents. I know I should be going on relevant sites to ask this question but if you have some number in mind pls tell
1cr for you and your future family. Separate 1 cr for your parents. If you buy a single policy including parents it would be expensive as your father's age will define the price. There is HDFC super optima something, it 3x your base amount from day 1. Buy 25L policy for yourself. For parents do some research but make sure your SI reaches 1 Cr. Also, remember supertopup plans are reimbursed.
Got it thanks for the answer
1 Cr base is now required as per increased medical expenses.
Add a supertop up plan as well
Yes. It's good. The problem while deciding insurance is one major disease like liver failure or liver transplant you are done as the cost exceeds ₹25 lakh in first year or consider any of the family members got into cancer or had to go for ECMO. GAME OVER. ECMO cost is 1.5 lakh per day. Take based on your habits, genes etc. Insurance advisor here.
Try to increase to 1 Cr if possible. If not then buy a supertopup plan.