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How to determine correct medical insurance amount

Hi All,

I want to know the best possible way to calculate total health coverage I would require. My age is 29 my wife’s age 27 and mothers age 52. 

Should I go for family floater or single insurancefor each.

One more doubt If I opt for family floater policy how to much I can show for IT exemption under section 80D(which is max of 15K for self/spouse and 15K for parents)

Thanks,

Dipesh

 

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