A customer can also appoint a surveyor on his own expense
Hurdles such as approvals for repair and fixed rates can make the process time-consuming.
The cover will pay only for the construction cost of the building.
Critical illness plans can be bought both as a benefit cover and an indemnity cover, say experts.
Most policies have a 30-90 days waiting period, during which you will not be able to claim any hospitalisation expense, except in case of accidents.
While insurance companies are yet to finalise the premiums, there are chances that group health premiums could see an increase.
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