Hi Manish/nandish
I am 29 years old married and currently with no kids. My family is my wife and my parents (who do not stay with me currently). I also have an elder brother and his family is of two kids and my sister in law.
I am planning to have a kid in 2-3 years. Currently my wife and I have health insurance of Oriental Insurance of Rs 2 lac each given from my company.
I have done some basic research on plans of various companies, however, they offer combinations of various risks. Here is where I am getting confused, as to which risks should i get covered to, and which plan should suit me best.
sometimes i also think that ailments like cancer and diabeties, which most people are prone to are likely to happen almost 10-15 years down the line. so should i spend in premiums or Health insurance or should i start an FD or SIP of that same amount which shall help me better.
kindly advise