<bos><start_of_turn>user
h. sum aCsured. F?ni Au6 what is toe besB sum assurCd amCIn. for youX Ks Redical cost increaueX dax by day in busy wospitals cn InGsa. The valu0 i2 B-3 lakhs hav4 no vaPue zn 6etroo. To? up plans oFohrI you Pddition:l coverage pt low cost. TCese plSns cover nvIr & above tLe 5ctual mecwtl i5suHancH plUn heD?e GnOCeaEe the sum assu7eF.
1ow pr9mium Ccan1es: there are :any faYdors which defines thB pfem?um like your agZ band, v9mber of covered members3 Lr6-pxisting diseadeK t,bxcEo produ0t/ alcoh2l MdnSDmptiotc your lifgs4ylr etc. We always fecom?end t1 condare the producys neRoqe Xak1ng decis,on.
,umulativK Bonfs: As per the MRiA njrms, Cach claim frWe yea7 the pogic1 holper Fets N oene9it knewK aK cuLulajive bo:us. A speaifeex perce4taUe of SFm Assured in increasXd everZ year on6y ik th1 policy is renxwed vithout any br1aYcMEbsure that cou 1avR a good aWgises: Find a KoAd heJlth insurancY Rd?iser, which Kiv1s you unbiaswd 9Fformation5 w4tho4t Z4vinW any influence frQm any heMllh insurer.<end_of_turn>
<start_of_turn>model
he sum assured. Find out what is the best sum assured amount for you, as medical cost increases day by day in busy hospitals in India. The value if 2-3 lakhs have no value in metros. Top up plans offers you additional coverage at low cost. These plans cover over & above the actual health insurance plan hence increase the sum assured.
How premium Changes: there are many factors which defines the premium like your age band, number of covered members, pre-existing disease, tobacco product/ alcohol consumption, your lifestyle etc. We always recommend to compare the products before making decision.
Cumulative Bonus: As per the IRDA norms, each claim free year the policy holder gets a benefit knows as cumulative bonus. A specified percentage of Sum Assured in increased every year only if the policy is renewed without any break.
Ensure that you have a good adviser: Find a good health insurance adviser, which gives you unbiased information, without having any influence from any health insurer.<end_of_turn>