Health Cover Checklist If the answer is ‘yes’ to all these questions, you are doing the right thing. If there is a ‘no’, make sure you take steps to change that Are all your family members covered?   Is the sum insured adequate for all your family members? Have you reviewed your family floater plan, co-payment and sub-limits? Does your policy cover hospitalisation expenses due to infectious diseases (Covid and future infections)?   If your sum insured falls short, have you taken a super top-up or top-up plan?   *** The new variant of Covid-19, Omicron, is being touted as less severe, but a lot of uncertainty remains about which strain will come next and how deadly it may prove to be. Moreover, the Omicron (B.1.1.529) variant has a large number of mutations, which suggests that there could be an increased risk of reinfection even among the vaccinated. Apart from masking up and taking adequate precautions, health insurance is something you can’t ignore in such a scenario. If you have an existing health insurance policy, check it...