Thursday, February 2, 2017
by
Indian Real Estate News
We see little value in continuing your mediclaim policy in India. We'd advise you to discontinue it. You will not be able to restart it upon your return to India post retirement but will need to buy a new one. Please note that you will have to bear the lock-in period for pre-existing ailments and at that age, the premium will also be on the higher side.
To illustrate, a Rs 5 lakh health insurance policy for a 60 year old today costs Rs 20,000 - 24,000 in annual premium. But given the context, that still appears to be a better proposition that continuing to pay premiums unnecessarily on your existing policy.
If you don't have any near term intentions of returning to India, it doesn't make sense to continue your policy
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