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HDFC ERGO BLOG

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On one fateful night Mr. Sanjeev Das complained of severe toothache. He was immediately rushed to the hospital. Like many others, Mr. Das was under this illusion that because he has a comprehensive health insurance policy; expenses shall be covered by the insurer. To his utter surprise, he had to pay all the medical bills as dental procedures were excluded from his policy.

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Ramesh, an architect by profession was looking for a comprehensive health insurance policy for himself and his family. He thought of asking his friends but he wasn’t getting the appropriate information on various aspects related to the policy coverage.

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Given how medical cost is shooting it’s vital for an individual to have a medical insurance with adequate coverage. Today it’s more of a necessity than a choice. Not having a medical insurance policy can invite series of unwanted problems.

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In spite of having a comprehensive health insurance plan, and a group cover from your employer, does it make sense to take another policy for critical illnesses?

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