Niraj Basur, CFO, Max Bupa Health Insurance, Rahul Aggarwal, CEO, Optima Insurance Brokers, an insurance specialist and Harsh Roongta, CEO, Apnapaisa.com, join NDTV Profit's Manisha Natarajan on how much of health insurance cover is enough. They also answer other questions like can health cover provided by employer and individual cover be combined for the same hospitalization? What are the caveats that one must be careful about to ensure that a cashless transaction goes through?