• Independent health coverage: Relying solely on corporate group insurance is risky during job transitions or retirement, making an independent personal policy or a top-up cover essential for continuous coverage.
• Sum insured guidelines: Individuals aged 30–35 in tier-2 or tier-3 cities should maintain at least 10–15 lakh rupees in coverage, while a family of four in metro cities needs at least 50 lakh rupees to account for medical inflation.
• Policy structuring: Families should utilize a family floater policy for parents and children, but buy separate dedicated policies for senior citizens.
• Claim rejection factors: The most common causes of claim rejections are non-disclosure of pre-existing health conditions, unfulfilled exclusion waiting periods, and medically unnecessary hospital admissions for issues treatable via outpatient care.