Health is often considered the pillar of a fulfilling life. However, the unpredictable nature of medical emergencies and rising healthcare costs can pose significant financial challenges for individuals and families. This is where having a comprehensive medical insurance plan becomes imperative. While traditional medical insurance plans offer blanket coverage, personalised medical insurance plans tailored to individual needs are gaining prominence. 

This article delves into the importance of the best health insurance in India and why individuals should prioritise it.

Benefits of Personalised Health Insurance

Personalised medical insurance plans offer a myriad of benefits that cater to the specific requirements of individuals. Here are some compelling reasons why opting for personalised medical insurance is advantageous:

  1. Customised Coverage: One of the primary advantages of personalised medical insurance is the ability to tailor the coverage to suit individual needs. Unlike standard plans, which offer uniform benefits, personalised plans allow individuals to select coverage options based on their health profile, age, and lifestyle requirements. This ensures that policyholders are not paying for unnecessary coverage and have adequate protection where they need it the most.

  1. Comprehensive Protection: Personalised medical insurance plans typically offer comprehensive coverage encompassing a wide range of medical expenses, including hospitalisation, outpatient treatment, diagnostic tests, and medication costs. Additionally, certain plans may also cover specialised treatments such as maternity benefits, critical illness cover, and preventive healthcare services, providing holistic protection against unforeseen medical expenses.

  1. Flexibility and Options: With personalised insurance, individuals have the flexibility to choose from a variety of options, including different sum insured amounts, deductible levels, and add-on covers. This flexibility empowers individuals to design a plan that aligns with their budgetary constraints and healthcare needs, ensuring maximum value for money.

  1. Access to Quality Healthcare: Personalised insurance plans often come with the provision of cashless hospitalisation and tie-ups with a wide network of hospitals and healthcare providers. This ensures that policyholders have access to quality medical care without worrying about upfront payments or reimbursement hassles, thereby facilitating a seamless healthcare experience during times of need.

  1. Health and Wellness Benefits: Many personalised insurance plans offer additional benefits aimed at promoting health and wellness. These may include coverage for preventive health check-ups, wellness programs, gym memberships, and telemedicine services. By incentivising proactive healthcare management, these benefits not only help prevent the onset of illnesses but also contribute to overall well-being.

Factors Influencing Personalised Health Insurance Planning and Choices

When it comes to choosing a personalised insurance plan, several factors come into play. Understanding these factors can help individuals make informed decisions that align with their healthcare needs and financial objectives. Choosing a personalised insurance plan entails a comprehensive analysis of individual health needs, financial capabilities, coverage options, customisation features, and the reliability of the insurance provider. By carefully considering these factors, individuals can make informed decisions that not only safeguard their health but also align with their long-term financial objectives and lifestyle preferences. Some key factors influencing customised medical insurance choices include:

  • Health Profile: The health profile of an individual, including age, pre-existing medical conditions, lifestyle habits, and family medical history, plays a significant role in determining the type and extent of coverage needed. Individuals with pre-existing conditions may opt for plans that offer comprehensive coverage for specialised treatments and ongoing medical care.

  • Budgetary Considerations: Affordability is a crucial factor when selecting an insurance plan. Personalised plans allow individuals to choose from a range of premium options and coverage levels to suit their budgetary constraints. It's essential to strike a balance between premium affordability and adequate coverage to ensure financial preparedness for medical emergencies.

  • Coverage Requirements: Different individuals have varying healthcare needs and priorities. While some may prioritise coverage for critical illnesses or maternity expenses, others may require coverage for routine medical expenses and preventive care. Personalised plans enable individuals to cherry-pick coverage options that best address their specific requirements, ensuring tailored protection against potential health risks.

  • Provider Network: The availability of an extensive network of hospitals and healthcare providers is crucial for seamless access to medical services. When choosing a personalised medical insurance plan, individuals should assess the insurer's network strength and the quality of empanelled hospitals to ensure convenient and timely healthcare delivery in times of need.

  • Policy Features and Add-ons: Customised insurance plans often come with a range of additional features and add-on covers that enhance the scope of coverage. These may include benefits such as critical illness cover, maternity benefits, OPD expenses, and international coverage. Evaluating the available policy features and add-ons can help individuals customise their plans to suit their specific healthcare needs and preferences.

Bottom Line

Personalised insurance plans offer a host of benefits that cater to the diverse healthcare needs of individuals. By allowing customisation of coverage options, flexibility in premium payments, and access to a wide range of additional benefits, personalised plans empower individuals to take charge of their health and financial well-being. 

As the healthcare industry continues to evolve, prioritising personalised medical insurance planning has become imperative for individuals seeking comprehensive protection and peace of mind. If you are looking for the same, then contact Niva Bupa, one of the best health insurance company in India and win a promise of a healthier and a happier future.

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The demand for skilled professionals has visibly increased with the construction industry's continuing boom. This industry is vulnerable to ever-evolving changes, so people looking to make a career in it are often advised to take construction and project management courses to understand it better.

An MBA in construction project management (CPM) can be the key to advancing your career in the construction industry. But how does one pick the best college when there are so many construction management courses in India?

Benefits of pursuing a degree from RICS SBE

Among India's best construction management schools, The RICS School of Built Environment (RICS SBE), Amity University is one of the institutions you should look at. The following ten strong arguments suggest that  pursuing a degree in construction project management from RICS SBE could be the ideal first step towards advancing your career in construction management:

  1. Industry Recognition

With an internationally acclaimed Master's in construction project management from RICS SBE, you will have an excellent chance to stand out in this industry. Moreover, this programme ensures that the graduates can be assured of gaining the highest professionalism and an excellent ethical mindset.

  1. Faculty and Curriculum

The faculty at RICS SBE consists of some of the best professionals and researchers who excel in their fields and have experience and knowledge about the industry. Furthermore, the curriculum of this programme is designed to equip you with the latest industry knowledge and skills. 

  1. Leadership Skills

Excellent project managers in construction should be technical specialists and capable leaders who inspire groups, oversee intricate tasks, and handle difficult circumstances. This programme strengthens your leadership potential, communication, strategic thinking, and technical skills.

  1. Networking

RICS SBE is one of the best construction management colleges in India. It has a strong network of alumni and industry professionals who may be helpful in your future employment and research. 

  1. Career Prospects

After completing this programme, you will have many career opportunities from leading construction companies, consulting firms, and government agencies. 

  1. Specialisations

RICS SBE offers specialisation options in many areas, such as construction law, construction technology, and sustainable construction, allowing its students to align their studies with their interests and career goals.

  1. International Recognition

Since RICS SBE's MBA programmes have a globally accepted accreditation, international students interested in pursuing a career in construction project management find this school a compelling alternative.

  1. Research Opportunities

It is renowned for its excellence in research, and students can participate in research projects, work with faculty members on their research papers, and become a part of the research process.

  1. Practical Skills

RICS SBE's MBA programmes aim to provide students with the information and skills to tackle real-world construction projects. Combining lectures, case studies, and project work with their education ensures that students are well-prepared for the industry's needs.

  1. Learning options

RICS SBE offers online and part-time studying options, making it easier to accommodate your education around your hectic schedule. However, the MBA programmes are only available offline. 


Selecting the best construction management course in India is a crucial choice, and so it is a wise investment on your part towards your future to pursue an MBA in Construction Project Management at RICS SBE. They offer an education that equips students with skills that help them face the demands of the construction business. RICS SBE is the ideal option for your MBA in Construction Project Management, regardless of your job goals or desire to change careers.


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You've made the decision to get an MBA in order to venture into the field of business leadership. Thank you for taking this wonderful step towards achieving your career goals! One organisation sticks out as a ray of hope and distinction as you focus on the future: RICS School of Built Environment (RICS SBE). Together, let's examine the nuances of the MBA admissions process and learn how RICS SBE can be your success partner. Let's go on this adventure.


A Personal Touch: Discovering RICS SBE

Allow me to explain what makes RICS SBE unique before getting into the specifics of MBA admissions. RICS SBE is more than just a school; it's a group of people with similar values who share a passion for innovation, sustainability, and changing the built environment landscape. You will sense the warmth and camaraderie that characterise the RICS SBE experience as soon as you walk onto campus (or log into the virtual classroom).


Your Journey Begins: The MBA Admission Process

Let's now discuss the next adventure: the MBA admissions Process. The idea of applying to business school may naturally make you feel a little overwhelmed, but don't worry—we're here to help you every step of the journey. Your journey starts with the online application, where you can highlight your hobbies outside of work, professional experiences, and academic accomplishments. Consider it an opportunity to introduce yourself to the RICS SBE community, so don't be afraid to show off your individuality!

After submitting your application, you will need to prepare for the following steps, which include written exams, group discussions, and in-person interviews. These conversations offer you the chance to showcase your critical thinking ability, communication skills, and enthusiasm for changing the world in addition to assessing your qualifications. So, exhale deeply, stay true to who you are, and shine brightly!

Crafting Your Story: What Sets You Apart

Keep in mind that you are more than simply a resume or set of accomplishments when navigating the MBA admissions process; you are a distinct person with a tale to tell. Spend some time thinking back on your trip thus far, including the obstacles you've surmounted, the knowledge you've gained, and the goals that keep you going. Share your narrative with authenticity and passion, whether it be in your application essays or your interview responses; this is what will make you stand out from the competition.


Seizing the Moment: Embracing Opportunities at RICS SBE

Gaining admission to RICS SBE means more than just getting into a prestigious business school; it means becoming a part of a thriving group of scholars, leaders, and changemakers who are dedicated to changing the world. You will have access to an abundance of resources as an MBA student at RICS SBE, including top-notch instructors, state-of-the-art research facilities, and a vast network of alumni worldwide. The chance to develop academically, professionally, and personally in a setting that values variety, creativity, and innovation is possibly the most significant benefit.

Exploring Specializations: MBA in Construction Project Management

RICS SBE provides a specialised track in MBA in Construction Project Management if you are passionate about the nuances of construction and project management. The goal of this programme is to give aspiring leaders the abilities and information required to succeed in the fast-paced world of construction project management. You will acquire the knowledge and skills necessary to lead successful construction projects from inception to completion through a combination of classroom instruction, practical projects, and industry connections.


Conclusion: Your Journey Awaits

In summary, the RICS School of Built Environment is here to support you every step of the way; the MBA admissions process is just the start of your path to success. Thus, inhale deeply, have faith in your abilities, and welcome the journey that lies ahead. The world is waiting for you to leave your mark, and you have a bright future ahead of you. Are you prepared to grab hold of the opportunity and set out on an incredible journey? We are really excited to have you join the RICS SBE family!



Health insurance for parents is an indispensable safeguard against the unpredictable nature of health-related expenses. As individuals age, the likelihood of encountering medical issues increases, making reliable healthcare coverage crucial. With health insurance, parents gain access to timely medical care without facing financial strain, ensuring they receive necessary treatments and services when needed. Moreover, best family health insurance plans in India encourage proactive healthcare management, promoting preventive care and regular check-ups, vital for maintaining well-being as one ages. 

Understanding the Needs of Aging Parents

As individuals grow older, their requirements evolve, encompassing physical health, emotional well-being, and practical support. Health considerations become increasingly important, with potential issues such as chronic conditions, mobility limitations, and cognitive decline needing attention. Emotional support becomes essential as ageing parents may face feelings of isolation, depression, or anxiety, requiring empathy, companionship, and encouragement. Additionally, practical assistance with daily activities like meal preparation, transportation, and household chores may be necessary to ensure their comfort and safety. By comprehensively understanding and addressing the needs of ageing parents. Caregivers can provide holistic care that enhances their quality of life and fosters a sense of dignity and autonomy in their later years.

Key Components of an Ideal Health Insurance Package

There are a few key components that should be considered when talking about the best health insurance plans for senior citizens. 


  • Medical Coverage: The cornerstone of any health insurance package, medical coverage ensures that individuals have financial assistance for hospital stays, surgeries, doctor visits, and other medical procedures, helping mitigate the high costs associated with healthcare.

  • Prescription Drug Coverage: This component provides coverage for prescription medications, ensuring that individuals can afford the necessary drugs to manage their health conditions effectively and promoting adherence to treatment plans and overall well-being.

  • Preventive Care Services: Including screenings, vaccinations, and annual check-ups, preventive care services are vital for early detection and prevention of health issues, ultimately reducing the need for more extensive and costly treatments down the line.

  • Mental Health and Counseling Services: Acknowledging the importance of mental health, this coverage encompasses therapy sessions, counselling, and psychiatric consultations, addressing emotional well-being alongside physical health concerns.

  • Long-Term Care and Nursing Facilities Coverage: As individuals age, the need for long-term care may arise. This coverage ensures access to nursing home care, assisted living facilities, or home healthcare services, providing support for those who require ongoing assistance with daily activities due to age-related or chronic conditions.

Customising the Package for Parental Requirements


  • Tailoring Coverage Based on Parents' Health Conditions: It's essential to customise the best family health insurance plans in Indiato suit the specific health needs of ageing parents. By evaluating their existing health conditions, insurers can offer tailored plans that address potential risks and provide appropriate coverage for treatments, medications, and specialised care related to those conditions. This approach ensures that parents receive the necessary support to manage their health effectively while minimising out-of-pocket expenses for treatments and services directly related to their medical needs.


  • Including Additional Riders or Supplementary Coverage: To enhance the comprehensiveness of health insurance for ageing parents, it's prudent to consider adding riders or supplementary coverage options to the base policy. These additional provisions can offer specific benefits such as coverage for critical illnesses, enhanced prescription drug benefits, or access to alternative therapies not included in standard plans. Families can further safeguard their parents' health and financial well-being by adding riders or supplementary coverage by filling potential gaps in the primary insurance policy.


  • Exploring Network Options for Healthcare Providers: When selecting a health insurance plan for ageing parents, it's crucial to explore the network options for healthcare providers. This involves assessing the breadth of the insurer's network, including hospitals, physicians, specialists, and other healthcare facilities. Opting for a plan with a robust network ensures parents have access to a wide range of quality healthcare providers, facilitating timely access to medical care and specialist consultations. Moreover, staying within the network often translates to lower out-of-pocket costs, making healthcare more affordable and accessible for ageing parents.


Securing the best health insurance for senior citizens is a financial investment and a profound gesture of care and support for their well-being. By tailoring coverage to their specific health needs, considering supplementary options, and exploring network options for healthcare providers, you ensure they receive the comprehensive care they deserve. 


As you explore the complexities of health insurance, remember that Niva Bupa stands ready to assist you in crafting a tailored solution that prioritises your parents' health and peace of mind. Take the first step towards securing their future by exploring Niva Bupa's range of insurance plans today.