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Medical cover is required only when you are working and family in depending on you.
Once you retire, my personal opinion, dont cover anything for health. If health goes bad prefer to stay home and have peaceful death.
At that juncture, if you step in to corporate hospital they will vanish your money and put you to torture. They will do all kinds of tests which you or your family would ever heard of.
They will keep the hope alive and make close relatives run. The hospitals will not provide any info on the status and all the relatives will be subjected to lot of stress and agony.
When relatives get fedup and tell the hospital staff that they will take him home discharge, then they will do some drama and declare the person as dead.
I have seen atleast 5 cases before my eyes. You will be help less. Now a days doctors take the relatives in the counciling room and record all their conversations to be protected legally and go ahead loot the patient right royally.
My advise to all is, dont go to hospital ICU after the age of 60-65 if you want a peaceful death.
