My wife and I are working in IT industry and both have health insurance coverage of Rs 3 lakh each which covers 2 child also. Currently, we don’t have any kids. My age is 30 and wife’s age is 25. Should we purchase additional health insurance ? If yes, which one should be good , individual or family floater?
and how much should be ideal coverage based on medical cost? currently, we are not diagnosed with any specific health issue.
You must have your own family floater insurance. Ideally, in my view, have around another 3-5 lakh family floater. Regarding choosing plan, refer my blog posts.