The benefit offered under small-ticket insurance may not be huge, but it is better to have cover, suggests Sarbajeet K Sen.
Choose a higher sum insured if you are going on a long trip, and if your age is above 45.
If you opt for a term-life cover, buy separate policies to cover the loan for all the co-borrowers in a home loan for a sum assured equal to the home loan amount.
While insurance companies are yet to finalise the premiums, there are chances that group health premiums could see an increase.
The good news is investors can make 5 to 6 switches during a year among funds depending on the insurance companies without incurring any costs.
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