Health Insurance and You

companies that have entry age of 5. But you can add your child since the day is born or after 90 days of his birth in your policy if you are covered under Group health Insuranceby your company. Another option is covering them in a Family floater, some companies accept children more than 3 months of age and others accept only after 5 years.

When you cover your kids at an earlier age, they will not have to worry at a later stage about the pre-existing diseases and the waiting period, even the ‘no-claim discounts’ will be available which will reduce the overall premium rate.

College:When you are just 18 the last thing that you will worry is about your health. It is also the age when you are your reckless best, driving fast, eating junk food and throwing caution to the winds. You will be keener on enjoying your time than filling out insurance forms. But all said and done health problems do come at all ages.

If you are living in a different city from your home, then buying a health insurance policy is a good idea because you will be out of cash when a medical emergency occurs, at such times cashless service will be the most helpful.

Single and Working: You have just started working and are getting the feel of freedom and financial independence that working brings. This is also the perfect age to get an individual health insurance besides the