Keep your employer’s group cover, but do not depend on it alone. Group cover ends when you leave the job. A standalone plan stays with you. So buy your own base plan early, and use the group cover as extra protection. Key Facts Group cover usually ends when your job ends. A standalone plan continues
Direct Answer: Before you buy health insurance in Chennai, check three things: network hospitals near you, waiting periods, and how the insurer handles claims. Before you file a claim, keep your ID, policy number, and hospital papers ready, and tell your insurer early. IRDAI requires insurers to decide on cashless requests within one hour. Final
Quick Answer: Corporate (employer-provided) health insurance is a group cover that lasts only as long as you’re employed, often has lower sub-limits and no continuity benefits. An individual or family floater health policy is owned by you for life, builds a No Claim Bonus, and doesn’t disappear when you change or lose a job. The
Healthcare After Retirement In short: Healthcare after retirement gets expensive fast — Indian medical costs are rising roughly 12–14% a year, well ahead of general inflation. The fix is to plan it as its own line item: keep a standalone health policy running well before you retire (don’t rely only on employer cover), size a
Quick Answer: A good health insurance advisor for senior citizen parents in Chennai should compare policies across multiple insurers (not push one company), explain pre-existing disease waiting periods and co-pay clauses in plain terms, help with claim filing and hospital network checks, and stay available for policy review every renewal — not just at the
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