You need this cover more than you need a life insurance cover since you are more likely to break a leg than die. This cover is the difference between using your savings for a medical emergency and simply flashing your cashless card. You are doing OK if … along with your work cover, you have your own family floater; you live in small-town India, and have a family floater between Rs 3 and 7 lakhs; you live in the large metros, and want the five-star hospitals, and have a minimum of Rs 15 lakhs’ family floater; you are over sixty years old and have a top-up plan to bump up your basic cover.
