u/Knownassuraj

19M, Delhi, no PED — which individual health insurance should I buy? Need help choosing plan + sum insured

Looking to buy my first individual health insurance. Here are my details:

• Age: 19, male
• Location: Delhi
• Health: No pre-existing conditions, no family history of major illness
• Employment: No employer cover, currently working decent salary
• Dependents: None right now, may add parents separately later , confused between getting a individual plan vs getting a family floater one (read alot about getting individual only for now , open to discussion)
• Budget: Flexible, optimizing for value not cheapest premium
• i was thinking of my budget to be good value as of now cz i've never been to hospital till now as of the daily routine and okayish lifestyle so please suggest keeping that in mind too

What I want in the plan (non-negotiable):
No room rent limit, no co-pay, zero disease-wise sub-limits, restoration benefit, cashless network strength, CSR 95%+, ICR between 50-90%, PED waiting period ≤3 years, pre/post hospitalization covered, daycare covered, in-house claims settlement preferred over TPA

My questions:

1. Sum insured —How much to get in Delhi? i'll leave this city soon probably shift to newer metro city only , Is super top-up a smarter play than going straight to any base?
2. Which plan —
3. Individual vs family floater — went with individual since parents would inflate premium and share the pool. Is this the right call long term?
4. Buying channel — Ditto vs Beshak vs direct insurer — any difference in claim support experience?

Not looking for generic advice, want actual experience from people who've claimed or compared these recently. Thanks.

19M, Delhi, no PED — which individual health insurance should I buy? Need help choosing plan + sum insured

Looking to buy my first individual health insurance. Here are my details:

• Age: 19, male
• Location: Delhi
• Health: No pre-existing conditions, no family history of major illness
• Employment: No employer cover, currently working decent salary
• Dependents: None right now, may add parents separately later , confused between getting a individual plan vs getting a family floater one (read alot about getting individual only for now , open to discussion)
• Budget: Flexible, optimizing for value not cheapest premium
• i was thinking of my budget to be good value as of now cz i've never been to hospital till now as of the daily routine and okayish lifestyle so please suggest keeping that in mind too

What I want in the plan (non-negotiable):
No room rent limit, no co-pay, zero disease-wise sub-limits, restoration benefit, cashless network strength, CSR 95%+, ICR between 50-90%, PED waiting period ≤3 years, pre/post hospitalization covered, daycare covered, in-house claims settlement preferred over TPA

My questions:

1. Sum insured —How much to get in Delhi? i'll leave this city soon probably shift to newer metro city only , Is super top-up a smarter play than going straight to any base?
2. Which plan —
3. Individual vs family floater — went with individual since parents would inflate premium and share the pool. Is this the right call long term?
4. Buying channel — Ditto vs Beshak vs direct insurer — any difference in claim support experience?

Not looking for generic advice, want actual experience from people who've claimed or compared these recently. Thanks.

19M, Delhi, no PED — which individual health insurance should I buy? Need help choosing plan + sum insured

Looking to buy my first individual health insurance. Here are my details:

• Age: 19, male
• Location: Delhi
• Health: No pre-existing conditions, no family history of major illness
• Employment: No employer cover, currently working decent salary
• Dependents: None right now, may add parents separately later , confused between getting a individual plan vs getting a family floater one (read alot about getting individual only for now , open to discussion)
• Budget: Flexible, optimizing for value not cheapest premium
• i was thinking of my budget to be good value as of now cz i've never been to hospital till now as of the daily routine and okayish lifestyle so please suggest keeping that in mind too

What I want in the plan (non-negotiable):
No room rent limit, no co-pay, zero disease-wise sub-limits, restoration benefit, cashless network strength, CSR 95%+, ICR between 50-90%, PED waiting period ≤3 years, pre/post hospitalization covered, daycare covered, in-house claims settlement preferred over TPA

My questions:

1. Sum insured —How much to get in Delhi? i'll leave this city soon probably shift to newer metro city only , Is super top-up a smarter play than going straight to any base?
2. Which plan —
3. Individual vs family floater — went with individual since parents would inflate premium and share the pool. Is this the right call long term?
4. Buying channel — Ditto vs Beshak vs direct insurer — any difference in claim support experience?

Not looking for generic advice, want actual experience from people who've claimed or compared these recently. Thanks.

19M, Delhi, no PED — which individual health insurance should I buy? Need help choosing plan + sum insured

Looking to buy my first individual health insurance. Here are my details:

• Age: 19, male
• Location: Delhi
• Health: No pre-existing conditions, no family history of major illness
• Employment: No employer cover, currently working decent salary
• Dependents: None right now, may add parents separately later , confused between getting a individual plan vs getting a family floater one (read alot about getting individual only for now , open to discussion)
• Budget: Flexible, optimizing for value not cheapest premium
• i was thinking of my budget to be good value as of now cz i've never been to hospital till now as of the daily routine and okayish lifestyle so please suggest keeping that in mind too

What I want in the plan (non-negotiable):
No room rent limit, no co-pay, zero disease-wise sub-limits, restoration benefit, cashless network strength, CSR 95%+, ICR between 50-90%, PED waiting period ≤3 years, pre/post hospitalization covered, daycare covered, in-house claims settlement preferred over TPA

My questions:

1. Sum insured —How much to get in Delhi? i'll leave this city soon probably shift to newer metro city only , Is super top-up a smarter play than going straight to any base?
2. Which plan —
3. Individual vs family floater — went with individual since parents would inflate premium and share the pool. Is this the right call long term?
4. Buying channel — Ditto vs Beshak vs direct insurer — any difference in claim support experience?

Not looking for generic advice, want actual experience from people who've claimed or compared these recently. Thanks.

Just needed help regarding health insurance. Im M19 earning decent money rn and thinking of getting health insurance but i get so many companies and all .. it makes me confuse .. I'm healthy, I've a good lifestyle.. Haven't visited hospital till date but still as I'm looking for a decent health insurance.. i was thinking of getting mine first then my family later

My 2 sisters(23,26) they also needed that

Main thing for my mother her collar bone got fractured last year and now doctor suggesting to operate it again idk how that thing will proceed, also her ankle got fractured which is due till now that needs to be operated too .. correct me if im wrong here ..but AFAIK this all needs to be get done from my end afterwards health insurance will handle that ... But i need to take care of that too so for now I'm thinking to get mine first then take my whole family's insurance one by one .. suggest a good platform(no policy bazar, they really jam my head with spams)

You can ask me more I'll be happy to answer :)