Build layered health cover to shield finances from critical illnesses
Last Update Date: 05-10-2026
Published by Business Standard
Abhishek Kumar's role: Quoted
Abhishek Kumar said a separate health corpus can meet costs insurance leaves out, such as waiting periods, sub-limits and consumables. He suggested around ₹5 lakh to ₹10 lakh, kept in liquid, low-risk instruments.
More of Abhishek's views on insurance
Business Standard explains how to build layered protection against costly illnesses such as cancer, heart disease and transplants. It suggests an adequate base health cover, a super top-up, and a critical illness policy that pays a lump sum on diagnosis, with points to check on deductibles, waiting periods, illness definitions and survival periods.
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Build layered health cover to shield finances from critical illnesses