Health cover to premium issues: Expert answers to your insurance queries

In a standard private car policy, generally, no health coverage is provided

I’m a 32-year-old expectant mother. My employer offers a health insurance cover of Rs 25,000. Should I go for a new policy or explore riders with the existing insurer?

Based on current medical costs, your existing health insurance cover is inadequate. You should immediately buy a basic insurance cover of at least Rs 5 lakh. It will provide for hospitalisation-related expenses that you could incur in the future. It will also cover you when you change employers and don’t have a cover in the transition period. Besides, you may look at riders like hospital cash benefit or critical care insurance.

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