u/Honibottle

I (M29) applied for HDFC Ergo Optima Secure+ for myself and my wife(28F). This was through ditto.

• I declared the following PEDs
  • Sinusitis - No Surgery, managed with medication.
  • ADHD - Managed with medication
• My wife declared
  • Generalised Anxiety Disorder - Managed with medication

We received a counter offer where:

• I was declined and was recommended Aarogya Sanjeevni
• Added loading for my wife for anxiety (effectively ~ 42k for 3 years for 25L coverage)

I'm thinking of letting my wife continue with the policy whereas I try to find another one for myself.

The core dilemma right now is who would even insure me with ADHD?
I've read accounts of proposals getting rejected for Care Supreme, ABHI Activ One Max.

Anyone who faced similar situation with respect to ADHD?

--
Sidenote: Feeling so bummed out as I was about to not declare it but then for some reason I did :(

I (M29) applied for HDFC Ergo Optima Secure+ for myself and my wife(28F). This was through ditto.

• I declared the following PEDs
  • Sinusitis - No Surgery, managed with medication.
  • ADHD - Managed with medication
• My wife declared
  • Generalised Anxiety Disorder - Managed with medication

We received a counter offer where:

• I was declined and was recommended Aarogya Sanjeevni
• Added loading for my wife for anxiety (effectively ~ 42k for 3 years for 25L coverage)

I'm thinking of letting my wife continue with the policy whereas I try to find another one.

The core dilemma right now is who would even insure me with ADHD? I've read accounts of proposals getting rejected for Care Supreme, ABHI Activ One Max.
Anyone who faced similar situation with respect to ADHD?