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  Health insurance is a necessity for every individual and family today. While this is an undisputed fact, considering increasing lifestyle ailments, stress, and rising healthcare costs, there are some situations which you need to consider. Suppose you have selected a policy after checking out multiple health insurance plans . In this situation, choosing the right sum insured (the maximum amount to be paid out by the policy) is important. Scaling up the sum insured may be a good option when it also leads to an enhancement of the sub-limits of the chosen policy. However, the higher this amount, the higher your premiums. The age of the insured person or the oldest insured individual in a family plan influences the premium along with the sum insured .    Then how best can you enhance your policy coverage without paying a massive amount in premiums? This is where a top-up health insurance policy comes into the picture. But is it a good choice for you? Let us find out...

    We understand that unforeseen incidents can happen and life can be full of uncertainty. In such situations, having a personal accident policy in place can provide crucial financial protection and peace of mind. A personal accident health cover is a distinct type of insurance that offers compensation in case of accidental injuries, disabilities, or even deat h. Le t' s explore the key features to look for in a personal accident policy in India, emphasizing the importance of having this coverage alongside your regular health coverage.     Understanding Personal Accident Policy:   A personal accident policy is designed to provide financial support in the event of accidents resulting in injuries, disabilities, or loss of life. This policy offers coverage for a wide range of accidents, including road accidents, falls, burns, and more. It complements your regular health coverage by addressing specific accident-related expenses that may not be fully cover...