u/annonvv

Hello, quite a few times I asked about this query. May be not in a proper way.

Last year I applied for individual policy for myself.32f, through ditto for hdfc. I trusted them both to be best. But don't know were the mistake happened.

My application got rejected.stating adverse medical reasons. On the advise i disclosed every small thing n in form even though I was not diagnosed with anything in form I filled symptoms which looked severe. After rejecting i relaised it's stays in insurance database.

. The worst as it's officially rejected it's stays in database.

My issue was not rejection. They have right to reject.but the rejection mail has used symptoms as disorders that wil become difficult to reapply.also they stated I have hypertension which was on one opd paper.

After all these I read about insuarnce , I had already given up .but I think I shud give one more try.

Some agents said not to disclose about it in other application ( which i am not okay with)

I even got medically fit certificate from phyisician.

Eventually it stressed me out for a year .

What can I do to resolve ?

Should I go for grieveiance ?

Should I ask Ditto again to help

Or ask Hdfc?

Will it be ok to do so ?

I had also asked suggestion from people on reddit ?

Something just dint convince me or give me peace of mind.

What exactly can help me?

I want a policy for myslef so I get peace of mind n focus on other things .

Notes - i shared my opd papers ,.they dint call.or ask or explain anything. Always got an automated reply from hdfc when asked about rejection clarification.

#trying once again #honestsuggestions.

Getting helath insurance is an adventure :) Be kind :)

Hi..need advise on urgent basis

I am.looking for health insurance my mom

59 ( 60 in August)

She has bp, medicine for more Than 8 years.stable

Recently was pre diabetic.

Yesterday's report says she wil be diabetic.

Medicine started by doctor.

Low dose for cholesterol and sugar.

She had kideney stone surgery april 2025

She has gall stones asymptomatic .

And 3- 4 years ago had got iron injections once.

( cataract and dental done years ago 5+years )

And we know this much.

As dad used to take her care and we were young then. ( lost him 6 years ago)

And we had a community insurance for 6 years for her.but this year we dropped as premium was too high n many restrictions.

So now I have been struggling to get her helath insuarnce

.

I tried through an agency .and they got pre login approval from Niva Bupa , Magma health ..

.

Niva bupa said them final decision on basis of medical.underwriting.

Medical tests may be required.on basis of tele call.

Anyone who can guide what can v do.

We are all sisters managing many life things altogether.

So anyone can guide like what medical test be there.

Niva bupa.or anyone here who can refer a trustworthy agent.who can help us. ( karnataka)

How much sum insured to apply for.

Or should we go with New india Assurance which has medical tests and waiting period for 3 4 years .

Or go wifh other ways.

We have yashaswini card n ayushman.

Hope to get suggestion and advise..

Thank you in advance :)