{"id":2605,"date":"2012-08-06T22:23:10","date_gmt":"2012-08-06T16:53:10","guid":{"rendered":"http:\/\/www.apnaplan.com\/?p=2605"},"modified":"2012-08-11T22:32:36","modified_gmt":"2012-08-11T17:02:36","slug":"do-you-need-to-top-up-your-companys-medical-insurance","status":"publish","type":"post","link":"https:\/\/www.apnaplan.com\/do-you-need-to-top-up-your-companys-medical-insurance\/","title":{"rendered":"Do You Need to Top Up Your Company’s Medical Insurance?"},"content":{"rendered":"

Most of people who are employed are provided with medical insurance cover by their respective employers. But the question is – is that medical insurance enough or you need to top up this insurance with some individual policies.<\/strong><\/p>\n

Here is a brief analysis:<\/strong><\/p>\n

Average Medical cover given by companies: Rs. 2 – 3 Lakhs<\/p>\n

Cost of Treatment for some common ailments (in metro cities)<\/p>\n

    \n
  1. Hernia – Rs. 40,000 – 50,000<\/li>\n
  2. Fracture – Rs. 50,000 – 60,000<\/li>\n
  3. Coronary Heart Diseases – Rs. 2 – 6 Lakhs<\/li>\n
  4. Cancer Treatment – Rs. 5 – 25 Lakhs<\/li>\n<\/ol>\n

    We also need to take in to account the cost of medical treatment is going up by 12-18% year on year.<\/strong><\/p>\n

    Taking all this together, it\u2019s recommended that<\/strong><\/p>\n

      \n
    • A family of 4 (every individual within 45 years of age) needs at least Rs. 5 Lakhs while<\/li>\n
    • A family of 4 (above 45 years of age) should opt for Rs. 7-10 Lakhs cover.<\/li>\n<\/ul>\n

      Cost of top-up cover<\/strong><\/p>\n

      The annual premium for a Rs. 5 Lakhs top up cover is as follows:<\/p>\n

        \n
      1. 30 Years Age – Rs. 1,300<\/li>\n
      2. 40 Years Age – Rs. 1,500 – 2,000<\/li>\n
      3. 50 Years Age – Rs. 2,800<\/li>\n<\/ol>\n

        Here is an Info graphic representing the above points<\/strong><\/p>\n

        \"medical
        Do You Need to Top Up Your Company’s Medical Insurance?<\/figcaption><\/figure>\n","protected":false},"excerpt":{"rendered":"

        Most of people who are employed are provided with medical insurance cover by their respective employers. But the question is – is that medical insurance enough or you need to top up this insurance with some individual policies. Here is a brief analysis: Average Medical cover given by companies: Rs. 2 – 3 Lakhs Cost […]<\/p>\n","protected":false},"author":1,"featured_media":2606,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[5],"tags":[2807,981,982],"uagb_featured_image_src":{"full":["https:\/\/www.apnaplan.com\/wp-content\/uploads\/2012\/08\/medical-cover-top-up.png",1152,641,false],"thumbnail":["https:\/\/www.apnaplan.com\/wp-content\/uploads\/2012\/08\/medical-cover-top-up-150x150.png",150,150,true],"medium":["https:\/\/www.apnaplan.com\/wp-content\/uploads\/2012\/08\/medical-cover-top-up-300x166.png",300,166,true],"medium_large":["https:\/\/www.apnaplan.com\/wp-content\/uploads\/2012\/08\/medical-cover-top-up.png",768,427,false],"large":["https:\/\/www.apnaplan.com\/wp-content\/uploads\/2012\/08\/medical-cover-top-up-1024x569.png",1024,569,true],"1536x1536":["https:\/\/www.apnaplan.com\/wp-content\/uploads\/2012\/08\/medical-cover-top-up.png",1152,641,false],"2048x2048":["https:\/\/www.apnaplan.com\/wp-content\/uploads\/2012\/08\/medical-cover-top-up.png",1152,641,false],"yarpp-thumbnail":["https:\/\/www.apnaplan.com\/wp-content\/uploads\/2012\/08\/medical-cover-top-up.png",120,67,false]},"uagb_author_info":{"display_name":"Amit","author_link":"https:\/\/www.apnaplan.com\/author\/admin\/"},"uagb_comment_info":0,"uagb_excerpt":"Most of people who are employed are provided with medical insurance cover by their respective employers. But the question is – is that medical insurance enough or you need to top up this insurance with some individual policies. Here is a brief analysis: Average Medical cover given by companies: Rs. 2 – 3 Lakhs Cost…","_links":{"self":[{"href":"https:\/\/www.apnaplan.com\/wp-json\/wp\/v2\/posts\/2605"}],"collection":[{"href":"https:\/\/www.apnaplan.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.apnaplan.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.apnaplan.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.apnaplan.com\/wp-json\/wp\/v2\/comments?post=2605"}],"version-history":[{"count":0,"href":"https:\/\/www.apnaplan.com\/wp-json\/wp\/v2\/posts\/2605\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.apnaplan.com\/wp-json\/wp\/v2\/media\/2606"}],"wp:attachment":[{"href":"https:\/\/www.apnaplan.com\/wp-json\/wp\/v2\/media?parent=2605"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.apnaplan.com\/wp-json\/wp\/v2\/categories?post=2605"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.apnaplan.com\/wp-json\/wp\/v2\/tags?post=2605"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}