I am 61 years old. Do not have any health issues so far. I have ICICI Prudential Health saver policy for the last 10 years. Never claimed any expenses. I want you to know, is this the best policy for me or can you advise alternate policy which can give me maximum benefits.
Ans: ICICI Prudential Health Saver Plan is a Unit Linked Health Insurance Plan offered by a life insurance company where the policy holder bears the investment risk of the investment portfolio, whereas Health Insurance policies offered by General and Standalone Insurance companies are non-unit linked plan in which you can renew the policy lifelong in case of any hospitalisation and you can claim maximum up to the sum insured opted during a policy year.
Also, the Sum Insured gets reinstated at every renewal. For more details on your existing plan, you can get in touch with your insurance company and then decide which insurance policy best suits your need.