{"id":12797,"date":"2019-12-18T11:09:33","date_gmt":"2019-12-18T11:09:33","guid":{"rendered":"https:\/\/securenow.in\/blog\/?p=12715"},"modified":"2023-01-26T19:59:28","modified_gmt":"2023-01-26T19:59:28","slug":"best-health-plans-for-a-sum-insured-of-%e2%82%b920-lakh-for-30-and-45-year-olds","status":"publish","type":"post","link":"https:\/\/securenow.in\/insuropedia\/best-health-plans-for-a-sum-insured-of-%e2%82%b920-lakh-for-30-and-45-year-olds\/","title":{"rendered":"Best health plans for a sum insured of \u20b920 lakh for 30 and 45 year olds"},"content":{"rendered":"
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Published in Livemint.
\nMost financial advisers and planners say that Indians are under-insured in terms of health cover<\/a>. Some don\u2019t consider it a necessity, some have too small a cover, while some depend only on the corporate cover that their employer provides. But if you plan to go further and buy adequate health cover for yourself, where would you start?
\nHow do you buy a health insurance plan<\/a>? If you settle with the plan your agent sells or are happy knowing you have bought the cheapest plan, there is a bit of unlearning and a lot of learning in store for you. To give you a ready comparison, we designed Mint SecureNow Mediclaim Ratings (MSMR). The full ratings can be seen here. And to read more about them, click here.
\nLet\u2019s take a look at individual policies for a sum insured of \u20b920 lakh for two age categories\u201430 and 45 years.<\/p>\n

Individual health insurance<\/a> for a sum insured of \u20b920 lakh are insurance policies that provide coverage for a specific amount, in this case, \u20b920 lakh, to an individual. These policies can be purchased by individuals to protect themselves and their families from financial losses caused by unexpected events such as accidents, illnesses, or death.<\/p>\n

The premium for these policies would differ based on the age of the individual. For example, an individual policy for a sum insured of \u20b920 lakh for a 30-year-old person would typically be less expensive than a policy for a 45-year-old person. This is because, as people age, their likelihood of needing medical care and the cost of that care increases. Additionally, the risk of death also increases with age, so the insurance company would charge a higher premium to cover that increased risk.<\/p>\n

Individual policies for a sum insured of \u20b920 lakh are offered by various insurance companies in India, and can be purchased online or through agents. It’s important to compare the different policies and their features, such as the coverage offered, exclusions, and claims process, before making a purchase.<\/p>\n","protected":false},"excerpt":{"rendered":"

Published in Livemint. Most financial advisers and planners say that Indians are under-insured in terms of health cover. Some don\u2019t consider it a necessity, some have too small a cover, while some depend only on the corporate cover that their employer provides. But if you plan to go further and buy adequate health cover for […]<\/p>\n","protected":false},"author":4,"featured_media":5469,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"_lmt_disableupdate":"","_lmt_disable":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[410,319],"tags":[36,654,1267],"class_list":["post-12797","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-media-coverage","category-media","tag-health-insurance","tag-health-cover","tag-individual-health-insurance"],"acf":[],"modified_by":"Aishwary Mishra","_links":{"self":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/12797","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/comments?post=12797"}],"version-history":[{"count":4,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/12797\/revisions"}],"predecessor-version":[{"id":25237,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/12797\/revisions\/25237"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/"}],"wp:attachment":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/media?parent=12797"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/categories?post=12797"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/tags?post=12797"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}