I am 40 years old and have a health plan from my employer. I have diabetes and am planning to take a separate health insurance for myself. Will the new health plan cover diabetes?
—Asif Rehman
Buying an independent health insurance, despite having a group insurance cover, is a good move. Consider a sum insured equal to your annual income. Opt for a plan with high no-claim bonus. You can accrue this bonus while you are still covered under your employer’s policy.
