r/InsuranceAdviceIndia

Have star health insurance comprehensive plan (family floater ) however day by day they are introducing new new procedures before admitting to the hospital risking the claims settlement. Thinking to migrate to govt health insurance or some different company . Star health had earlier denied to any settle genuine claim for a relative admitted for dengue. Had to escalate it further to reimburse it . It has disturbed me . Suggestion.

I have received an email from Niva Bupa citing that I have raised a cancellation request for my health insurance policy because of which my health insurance is cancelled and the payment which I made for the policy is getting refunded.

Earlier there was an email on 29th Sep but I didn't saw that mail. What could be done at this stage? They have removed my number from their registered number because of which I cannot raise a grievance redressal.

This is a 3 year old policy where I have never made a claim.

My parents currently have a health insurance policy with ₹10 lakh coverage. The policy has been running continuously for around 4 years.

The premium has increased from around ₹30,000 last year to ₹40,000 this year.

Both my sister and I also have employer-provided health insurance that covers our parents:

My company: ₹5 lakh parental cover

Sister's company: ₹5 lakh parental cover

I also have the option to increase parental coverage under my company policy in April.

So I'm trying to decide whether it makes sense to continue paying ₹40k/year for the personal ₹10 lakh policy, especially since the premium has increased significantly, or whether I should rely on the two employer policies and increase my company coverage in April.

The personal policy has already been running for 4 years, so I'm also concerned about losing the continuity benefits/waiting periods if I stop renewing it.

Would appreciate advice from people who have experience managing health insurance for their parents.

Hi all! Till now I was in the STAR health family optima insurance under my family, but since i just crossed 25 they kicked me out and now I'm in need of health insurance.

I have 0 pre-existing disease, never smoked or drank, basically a perfect candidate for an insurer. What I need is tho, a free gym membership via a rider addon or a policy benefit. What is the best one I should go for? (10 lakh is the floater i need)

I’m planning a solo Japan trip and was considering HDFC ERGO Explorer Platinum.

I was hospitalized in India in Aug 2024 for acute gastroenteritis with severe dehydration and clinical enteric fever. I recovered fully and currently have no medication/treatment/follow-up.

I contacted HDFC ERGO before buying the policy. Their salesperson says this is NOT a PED and that I can select “No”.

But their online form says PED means receiving treatment/advice/consultation for any medical condition in the last 4 years, and it has an “Any Other” option. When I select Yes → Any Other, the website refuses to issue the policy due to a pre-existing condition.

The current Explorer policy wording also defines PED using a 36-month treatment/advice period, which includes my Aug 2024 hospitalization.

I've sent 4 emails over ~2 weeks asking HDFC ERGO for written clarification. No proper response. I also raised a grievance (Service ID 115442798) and have been struggling to get through by phone.

Would you:

• Trust the salesperson and buy HDFC with “No PED”?
• Wait for written confirmation?
• Or choose something like TATA AIG International Plus Titanium instead?

I mainly want a policy with a clear disclosure/underwriting record so there’s no claim dispute later.

Would appreciate advice, especially from anyone who has dealt with Indian travel insurance/PED claims.

This is much more likely to get responses because the actual dilemma is visible within the first few lines.