Should I port?
My mom's been with Niva Bupa since 2021, 7.5 lacs base SI, but with bonuses, it's up to 22.5 lacs. We've never made a claim and got it through Policybazaar.
So, here's what I'm wondering:
Should I switch since Niva Bupa isn't as good as I was, or just stick with them since the moratorium period is over?
What's the deal with Bajaj? I never see anyone talking about them online, but on paper, they look really solid. I want to know what people really think about Bajaj GIL.
If not Bajaj, should I switch to Tata (Medicare Select)? I heard it's not a good idea to deal directly with insurance companies. So, how do I find a good advisor?
What happens to my additional coverage if I switch? I want to bump up the SI by at least 10-15 lacs and add an NCB rider so it can go up to 500%. Then I probably won't need a super top-up, right?
Please help me out. I don't make a ton of money, but I always pay for my mom's insurance with my hard-earned cash. I just want some peace of mind.