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Is there any advantage in having an health insurance policy in addition to Medisep?

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Abhijith Vijay Abhijith Vijay, Health Insurance Expert (Seniors & Special Cases) verified
Answered on November 22,2022

Yes. 

The underprivileged people in India currently has 5 Lakhs coverage which they get for free (under PMJAY). With even a middle-class earning person’s lifestyle and hospital choices, 3 Lakhs coverage won’t do any good. Needless to say the lack of good cashless hospitals and Sublimits in Medisep. 
 

My suggestion, rely on Medisep only for minor cases and if you don’t want to spend too much on a regular health plan, then get special plans with high value coverage & deductible option (like HDFC ERGO Optima Secure or Star Assure) . This would get you upto 50% discount on your premium and atleast 20 Lakhs coverage for a 5 Lakhs Plan. 

 

Discuss with a consultant & they can guide you. When it comes to insurance; Plan wisely & buy only the best! 

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For a free consultation call 9809313161
 

 

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