MFDs & NPS Distributors & Inv Advisers - NPS Swasthya Suitability

MFDs & investment advisers: I’d love your views on NPS Swasthya. PFRDA has launched NPS Swasthya, combining a dedicated healthcare investment account with a mandatory super top-up health insurance component. The proposition is interesting because it attempts to bring healthcare planning into retirement planning. But for an adviser, the bigger question is: Does NPS Swasthya actually make sense for every client who needs retirement and health protection or are there situations where keeping the two separate works better? I’m working on a story for CafeMutual and would love to hear from MFDs, NPS distributors and investment advisers: 🔹 Which client profile do you think NPS Swasthya suits best? 🔹 If a client already has comprehensive health insurance, would you still consider recommending it? 🔹 Does the super top-up structure and deductible make sense from a client's perspective? 🔹 Does the separate healthcare corpus add meaningful value? 🔹 What is the biggest limitation you see in the product? 🔹 Who should you NOT recommend NPS Swasthya to? If you work with clients and have evaluated the product, I’d really value your perspective. You can DM me or email me at [email redacted]. I may use relevant views/quotes in my upcoming story for Cafemutual #NPSSwasthya #NPS #PFRDA #MutualFunds #MFD #InvestmentAdvisors #FinancialPlanning #HealthInsurance #RetirementPlanning