Was looking to buy a Health Insurance Policy for myself at the earliest which one should I consider?

Was looking for a policy that would cover the following things:

  1. Room rent eligibility - At least single private AC room or any room Policy
  2. Waiting period in the policy - No hospitalisation for first 30 days, accidental emergencies should be covered, slow growing diseases since 2 years are not covered, pre-existing conditions since 3 years are not covered
  3. Covering all major hospital in Cashless hospital list and preferrably an all India coverage
  4. Prefer in house settlements rather than TPA
  5. It should cover day care treatments & Ayush plan (24 hour hospitalisation not required)
  6. Refill benefit in policy for same & different illness both when cover is exhausted, minimal waiting period beteen restore
  7. Would be great if consumables can be covered in the policy if not some add on in which it can be covered would be fine
  8. The best CSR & ICR

After doing my research, and considering my requirement Reliance General Health Insurance is what I am inclined towards, please suggest and guide me in the right direction as I am a first time health insurance buyer!

Looking for a cover of 10-20L preferrably. Thanks in advance!

reddit.com
u/RoyalChallenger-18 — 14 days ago

Planning to buy a Health insurance policy for myself and at the earliest. Which ones should I consider?

Was looking for a policy that would cover the following things:

  1. Room rent eligibility - At least single private AC room or any room Policy

  2. Waiting period in the policy - No hospitalisation for first 30 days, accidental emergencies should be covered, slow growing diseases since 2 years are not covered, pre-existing conditions since 3 years are not covered

  3. Covering all major hospital in Cashless hospital list and preferrably an all India coverage

  4. Prefer in house settlements rather than TPA

  5. It should cover day care treatments & Ayush plan (24 hour hospitalisation not required)

  6. Refill benefit in policy for same & different illness both when cover is exhausted, minimal waiting period beteen restore

  7. Would be great if consumables can be covered in the policy if not some add on in which it can be covered would be fine

  8. The best CSR & ICR

After doing my research, and considering my requirement Reliance General Health Insurance is what I am inclined towards, please suggest and guide me in the right direction as I am a first time health insurance buyer!

Looking for a cover of 10-20L preferrably. Thanks in advance!

reddit.com
u/RoyalChallenger-18 — 14 days ago