Personal Finance14mo
by GigglyMarshmallowOperations Manager
Insurance
Is a 25 lakh family floater medical insurance plan enough for a 32 year old couple with a kid ?
DizzyJellybean
25 lakh insurance cover ?
What should be the insurance cover limit I’ve to choose for my parents who are in their late 50s? I read an article on economic times about how high value health insurance polices are not a great choice.
P.S : They have a 5 lakh cover from star health insurance currently but I want to get them even health insurance policy with OPD. (25 lakh cover)
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JazzyNarwhal
Stealth15mo
15-20 lakh is sufficient. But if you really want to be fool proof then 30 lakh floater. OPD policy is not a wise decision though. I'm an insurance advisor and can be contacted on email for personal advice (check bio).
DizzyJellybean
Freelancer15mo
I shall connect. Thank you
SleepyTaco
Tatvasoft15mo
A better indicator would be expected hospital bill in case of emergency (God forbid!). IPD + OPD is a good choice, but don’t know how many insurance companies have this option. 5 lakhs is definitely insufficient and very high value is definitely a splurge. Get a family floater (I think 25 lakhs sounds good, but please use your discretion)
DizzyJellybean
Freelancer15mo
Thanks appreciate it. Even health insurance provides IPD + OPD
PeppyMarshmallow
Stealth15mo
Select a floater top up plan
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