You may not care about your health, but you sure do care about your finances. With healthcare costs rising at more than 15 per cent a year, having a health insurance is becoming a necessity.

These policies are of three types -- the first covers basic hospitalisation needs; the second critical illness; and the third daily hospital cash reimbursements. Even life insurers offer health covers with defined benefits.

Under these, a pre-specified amount is paid as compensation, irrespective of the expenses incurred.

With or without a family, you need a health cover. For those who have a family, we recommend a family floater instead of a standalone policy since the probability of all family members needing hospitalisation at one go is remote.
Even if your employer offers group medical insurance, get your own cover. A change of job could leave you without insurance, and so could retirement. And, getting a fresh cover after 45 is difficult.

Important

• Buy floater plan to cover entire family
• Opt for a cashless plan, keep cashless mediclaim cards at hand
• Ask insurers for premium rates to find the cheapest policy
• Keep an eye on exclusions and inclusions in the policy
• Undergo medical tests, if required
• Buy health insurance even if you have one from your employer

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