I am 45 and have a health cover. Is there any way by which I can enhance this cover?Yes, you can enhance the cover on your existing mediclaim policy. All insurers have their internal policies for the amount to which they will allow the insured to enhance the coverage. Normally, if you propose to increase the sum insured by 25 per cent at your age, insurers will allow it without any fuss.
However, if you want to increase the sum insured substantially, say by 100 per cent, the insurers may ask you to undergo some medical tests with their panel doctors and, depending on their report, they will allow the increase in the sum insured. If you find the procedure a little cumbersome, you also have an option to buy one more mediclaim policy from another insurer.
