Hello Sir, first of all thanks for your valuable inputs in this column. Currently my age is 43 & i have corporate insurance policy with cover of 5 lacs . So is it advisable to addon some more additional health insurance cover now or wait till i quit/lose my job ( after next 3-4 years) & than take fresh health insurance. Incase of first case, if i take addon cover of only 1 lac now & than after quitting job at age 46, if i increase health cover to 5 lac, will it anyway help with premiums? I don't have any family/dependent so not planning for term insurance. Thanks in advance.

 I am an employee of central govt. PSU. My family consists of myself, spouse, two minor children and mother. I am covered by a corporate group medical insurance policy for Rs 2 lakh with an additional emergency coverage of Rs 4 lakh by the employer. I also have a personal Family Floater policy for Rs 3 lakh and a Sr. Ctzn. Policy for Rs 1 lakh. I have not used the personal policies till date for any hospitalisation claim. I am aware that a claim exceeding the corporate policy limit can be claimed in the personal policy. Recently I was made to know that any planned hospitalisation exceeding the corporate claim limit, cannot be done using the second policy. I also know that there is a product called as top up policy which can be used in such cases. I have 8 years of remaining service where there is a medical insurance cover during the period. After retirement, the employer provides a basic policy of 1.5 lakh for the family. The same feels to be insufficient in today’s times. What would be your advice with regards to the existing medical insurance policies and their amounts? Should I need to undertake any tweaking of the policy amounts or switch to a top up policy?

I am only 77 years young. Have been having a health insurance cover for the past few decades - either as part of the corporate cover or on an individual basis. Have always enjoyed NCB while renewing Health insurance cover. I wish to increase my cover from current Rs. 3 lacs level to 6 lacs. Since I am over 60 none of the current insurers like Tata Aig or Policy Bazaar or Acko have ever bothered to respond to my query regarding above. Although Central Govt.'s Free Insurance cover for people above 70 is going to help me n my wife, I would like to have the additional cover for exingencies. Kindly help..!!.. Tks.

Hello, My query is regarding health insurance. I'm 37 and currently covered by my corporate health insurance of INR 15 lakhs. Should I buy a personal health insurance even though I might not use it till the time I reach my retirement age of 60. Do you suggest increasing this cover of 15L of my corporate health insurance? Or should I buy a personal health insurance? Thanks,

Hello, I will turn 57 in a few days' time and my wife is 53. We are both salaried professionals and our respective organizations have covered us handsomely with regard to health insurance coverage. However, just to ensure security, I was wanting to know whether it is worthwhile to take additional health coverage for the time when I would no longer be working. I am not sure if I should take another base policy covering both of us, or only a top-up policy over and above our current insurance cover given by our employers. Can you guide me on which policy would be the best for us? I am looking at Rs.10 lakhs additional cover.