India has abysmally low awareness about health insurance: prerequisites of buying a health cover for oneself or the family, the premiums one must pay, the declarations to make, or the procedures for claiming the money. In fact, consumers or policyholders are at times skeptical if they will get coverage from their regular hospitals. However, none of that must stop one from buying a health insurance cover for self and family, even if one has a cover provided by the employer.
Limited premium plan easier on the pocket
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