We offer basic and super top up plans as well, to get you maximum cover in minimum premium.
You must have your own cover in addition to what your employer may be offering you today.
Employer’s cover may disappear any time (company may withdraw this perk, your new employer may not have this cover, you may decide to start your own business), while your need will be there, till the end of your life and you must have a policy to cover this risk.
Premiums will rise exponentially as your entry age goes up. If you unfortunately develop any diseases (hypertension, diabetes, thyroid malfunction, are called lifestyle diseases and have become all too common), you may not be able to get a policy later or the premium will get loaded to compensate the insurer for this additional risk. So buy life and health insurance when you are young and healthy.
There is also a waiting period for pre-existing diseases (PED) varying from 2 to 4 years. What it means is while you will pay premium for this waiting period, these diseases will be not covered till end of the waiting period! How ever once you have a policy, any diseases that may come, will be covered without any waiting period.
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