And what are the best times to buy a policy?

She bought a policy that will pay $70 a day for up to two years, or a bit over $51,000.

And don't buy a policy just because it's the least expensive.

In the example, buying a single policy for a 78-year-old woman would cost $12,239 a year.

Waiting until after retirement to buy a policy can lead to another problem as well.

If a group plan is not an option for you, you'll have to buy an independent policy.

But that could still mean a family earning $30,000 would have to buy a $5,000 policy on its own.

There is no broad medical reason for the bill, since people will always be able to buy policies that include the service.

The experts say that every Indian should buy a policy even if they get insurance from work.

This is a direct result of the right to buy policies introduced in 1980.