One of the most basic steps in personal finance is making sure you and your family have adequate health insurance. This is especially important for parents, many of whom bought policies years ago and have kept renewing them even as hospital costs have gone up significantly.

Ditto has put together a simple checklist to help you review your parents’ health insurance and figure out whether the cover they have today is actually adequate. It covers the key things to look for in a policy, the clauses that can hurt during a claim, and when it may make sense to upgrade or switch.

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