Life & Health Insurance Questions
Plain answers on pure term protection, employer health cover gaps, and how to think about family insurance planning.
Q.Why should I consider Pure Term Insurance over endowment policies?
Pure Term Insurance provides high life cover (often ₹1 Crore or more) for a relatively small annual premium, guaranteeing your family's financial security without locking capital in low-yield traditional policies. The surplus premium saved can then be invested into growth instruments like mutual funds.
Q.I already have health insurance from my employer. Do I need personal health cover?
Yes. Corporate health insurance is tied directly to your employment and ends if you switch jobs, retire, or if company policies change. Having an independent family floater or super top-up policy ensures uninterrupted coverage, accumulates cumulative no-claim bonuses, and protects you during career transitions.
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