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More tips, insights & suggestions You have a current health insurance policy (your own or company provided). If it's a company provided: We suggest you should ideally have a personal health policy too or go for a personal policy to cover the gap. If you have your own personal policy:Check the shortfall & go for the higher sum assured at the time of renewal or get an additional policy to cover the shortfall. http://www.policyadvisor.in
Medical test when you buy insurance* NO* Many insurance companies do not insist for medical test below the age of 45 years, but it also depends on your current health condition & pre-existing diseases if any. Every company has a different policy/condition before issuing a policy. Please check with the insurance company before deciding http://www.policyadvisor.in
Elderlyparents above 60 years* NO* *If you have elderly parents/members above the age of 60 years, we suggest you go for a separate health policy for them as the chances for a claim is high & it will also reduce your health insurance premium. If you pay the premium for their policy, you may be eligible for an additional tax benefit. http://www.policyadvisor.in