It becomes quite difficult to determine how much protection is required. Due to escalating medical inflation, a cover that we consider adequate today will become obsolete tomorrow. Buying a large insurance cover under the current policy, on the other hand, may not be affordable or available. The deductible option in Health Companion works as a stepney to your health insurance plan. It’s an optional coverage that comes with a monetary restriction. It only takes effect when your total claim for the year exceeds the threshold limit.