BUY HEALTH COVER

■ If you do not have a cover at the time of retirement, approach the insurer who provides group cover to your employer, and request for transfer to a personal cover

■ Many senior citizens’ health policies allow entry even after the age of 60 or 65

■ Insurers offering these policies could agree to cover you even if you have a pre-existing ailment or two

■ Check the policy for waiting period, copayment requirement, and sub-limits