u/East_Application2440

Planning to buy health insurance for my parents 60, 49 all fit and fine. No PEDs, location Delhi. Was earlier covered under my corporate policy that cost 44k per year with 10% copay from NIA.

Now planning to move to retail policy for longer term prespective as father hits 60.

Requirement,,

1. No room capping preferably, Should atleast cover single private ac room.

2. Preferably no copay. ( exception hdfc for aggregate deductible 25k, which is very nominal amount)

3. Health checkup

4. Sum insured should be atleast 10L, but should also comes with incremental bonus.

Shortlisted below insurers

1. HDFC ERGO - for sure called iphone of health insurance. New plus plan looks amazing on papers, everyone wants to sell this.

But major concerns is with premium getting 3 years for 135k. And im expecting,, on renewal it will hit 60k per year premium.

Open for suggestions, and or other hdfc ergo products.

Note,, entry age limit is 60 for optima secure plus.

2. Aditya birla active one max, looks affordable at 38k for a year offers 6x premium bonus over 6 year.

Others

1. Tata AIG ( can take a employee discount )

2.. Bajaj allianz, heard this is underrated and usually not much promoted but a good product.

Request your opinion. Thanks in advance!

Planning to buy health insurance for my parents 60, 49 all fit and fine. No PEDs, location Delhi. Was earlier covered under my corporate policy that cost 44k per year with 10% copay from NIA.

Now planning to move to retail policy for longer term prespective as father hits 60.

Requirement,,

1. No room capping preferably, Should atleast cover single private ac room.

2. Preferably no copay. ( exception hdfc for aggregate deductible 25k, which is very nominal amount)

3. Health checkup

4. Sum insured should be atleast 10L, but should also comes with incremental bonus.

Shortlisted below insurers

1. HDFC ERGO - for sure called iphone of health insurance. New plus plan looks amazing on papers, everyone wants to sell this.

But major concerns is with premium getting 3 years for 135k. And im expecting,, on renewal it will hit 60k per year premium.

Open for suggestions, and or other hdfc ergo products.

Note,, entry age limit is 60 for optima secure plus.

2. Aditya birla active one max, looks affordable at 38k for a year offers 6x premium bonus over 6 year.

Others

1. Tata AIG ( can take a employee discount )

2.. Bajaj allianz, heard this is underrated and usually not much promoted but a good product.

Request your opinion. Thanks in advance!

Planning to buy health insurance for my parents 60, 49 all fit and fine. No PEDs, location Delhi. Was earlier covered under my corporate policy that cost 44k per year with 10% copay from NIA.

Now planning to move to retail policy for longer term prespective as father hits 60.

Requirement,,

1. No room capping preferably, Should atleast cover single private ac room.

2. Preferably no copay. ( exception hdfc for aggregate deductible 25k, which is very nominal amount)

3. Health checkup

4. Sum insured should be atleast 10L, but should also comes with incremental bonus.

Shortlisted below insurers

1. HDFC ERGO - for sure called iphone of health insurance. New plus plan looks amazing on papers, everyone wants to sell this.

But major concerns is with premium getting 3 years for 135k. And im expecting,, on renewal it will hit 60k per year premium.

Open for suggestions, and or other hdfc ergo products.

Note,, entry age limit is 60 for optima secure plus.

2. Aditya birla active one max, looks affordable at 38k for a year offers 6x premium bonus over 6 year.

Others

1. Tata AIG ( can take a employee discount )

2.. Bajaj allianz, heard this is underrated and usually not much promoted but a good product.

Request your opinion. Thanks in advance!