Health insurance basically deals in coverage of medical and surgical expenses of an insured individual. It either reimburses the expenses incurred due to illness or injury or pays the care provider of the insured individual directly.

'A hospital bed is a parked taxi with the meter running.’ And this meter is definitely going to dig a huge hole in our pockets. Health insurance can save us from spending all of our savings and help us through our difficult times.


Saviour of your savings: Inflation in medical expenses have been increasing at a whopping 10% every year. A single hospitalization can exhaust your life savings in a month if you fail to have adequate health insurance.

The only certain things in your uncertain times: Taking note of the current scenario, none of us ever imagined staying locked up in our own houses without any source of income and being forced to utilize our savings. In these times of difficulties one thing that can save you from huge amounts of hospital bills, is health insurance.

Tax benefits: Health insurance benefits you to avail deduction up to Rs. 25,000 from your taxable income on the premiums that you are liable to pay. This amount of benefit is available under section 80D of the income tax act.


As an insurance agent in Surat, we’ve always heard that buying an insurance policy is a tedious process but actually this is just a misconception. With digitization taking over the insurance industry you can get insured within a few clicks and at best rates.

An infant, after 90 days of his/her birth can enroll into his/her parents’ policy as a dependent child. The minimum age to get an independent policy is 18 years.

However, one can buy a health insurance policy until any age with special plans available for senior citizens above the age of 65 years and the same can be renewed lifelong.

There are different types of plans available to cover people with different needs such as, maternity cover plans, plans for heart patients, plans that provide larger cover for critical illnesses such as cancer, and so on. You can search and compare them online or consult an advisor to find the one that provides for all your requirements.

You can opt for individual plans or for family plans that cover all your loved ones under a single umbrella. Any financial advisor in Surat will tell you that having health insurance is the first step in your journey of creating a financially secure future.


‘Your health is an investment, not an expense.’ think before it’s too late to make a wise decision"

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Torin Wealth Management, G1-B, International Trade Center, Majura Gate, Surat - 395002.

Email: info@torinwealth.com

Phone: 0261 4041122