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RAJ KUMAR SAINI

Question

Hi, Is there any insurance which gives us Life insurance & health insurance in one policy.

Asked By: RAJ KUMAR SAINI
On: 16th Dec 2011 4:02 PM
Answered Within: 26 Minutes

MIC Expert

Answer

The answer to your needs would be IndiaFirst Money Back Health Insurance Plan. This is a comprehensive unit linked health insurance plan by IndiaFirst Life Insurance Company. This plan covers self, spouse, children as well as parents. Hence this is a Life cum health insurance plan.

In this plan all benefits of health plan and all benefits of all life insurance policy can be covered. Hence it is a unique one.

Answered By: MIC Expert
On: 16th Dec 2011 4:29 PM

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Manoj

Answer

It is best to however keep these 2 needs of life insurance and health insurance separate. Life insurance - more specifically term insurance should be used as a protection tool for our family in case of our untimely death. If the earning member of the house dies, then the family faces financial crisis. In a term insurance, the family gets a lump sum amount on the death of the policyholder.

Answered By: Manoj
On: 12/17/2011 10:01:47 AM

Manoj

Answer

Health insurance on the other hand is helpful in times of medical emergency, hospitalisation and accident. Today the cost of health care is very high and it becomes difficult to arrange huge sum of money in a short time. So a comprehensive health insurance (from general insurance companies) also known as mediclaim is very useful.

Answered By: Manoj
On: 12/17/2011 10:04:35 AM

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Dear Sandeep,

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Answered By: Sahni
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Absolutely correct. But that should not be a reason to choose a plan, because if you would like to purchase a plan, you should do your research about the plan before you purchase it instead of cancelling the same later, because in that case you spend some money which is not paid back like mortality charge for the few days in a life insurance policy, cost of medical tests, etc.

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