1. Basic health insurance may not be sufficient in the face of increasing costs, due to sub-limits and deductibles. To address this, one option is to port to another insurer and increase the coverage during the shift. However, keep in mind that there may be a waiting period associated with this change.

2. Another way to raise your coverage without paying a high premium is to purchase a top-up plan from the same or a new insurer. These plans provide additional coverage once the sum insured from the base policy is exhausted.

3. Consider buying add-ons or riders such as room rent waiver and maternity cover to enhance your existing health insurance coverage. These riders offer specific benefits in addition to the base policy.

4. You can also increase the sum insured on your policy at the time of renewal. This option allows you to raise your coverage without any waiting period, although it may come at an additional cost.

5. Remember that the opinions and suggestions mentioned in this article are provided by the Centre for Investment Education and Learning (CIEL). It is essential to carefully evaluate your own needs and consult with experts before making any decisions regarding your health insurance coverage.

(Disclosure: The views expressed in this article are those of the author and do not necessarily reflect the views of www.economictimes.com.)

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