r/InsuranceAdviceIndia

I wanted to port from my existing star health policy (10 years) SI 10L.

The hdfc advisor conveyed me that for porting-

1. I need to increase SI to atleast 15L or above

2. Need to opt for aggregate deductible of Rs 25,000 per year. There is no complete cashless policy.

Can anyone who has ported confirm if above 2 conditions are true?

Hello all, have recently ported health insurance policy to HDFC Ergo Optima Secure family floater plan from Star Health, we are family of 2 members with no PED, have taken base cover of 10 L, which will 2X from day 1, wanted to know on below pointers, yet to get policy hard copy:

1. Critical illness cover

2. Came to know my no claim bonus of Star health will be added here, how to know its been added ?

3. OPD of spectacles and dental RCT, filling etc how to get them covered? Shall I need to take add on coverage?

4. Wait time for any disease?

Please reviewd.

Pata hai aaj kya hua :

Last year i insured my father ( 53 ) and mother ( 51 ) with niva bupa plan which turned out to be the worst decision. And now i am looking for a better option, i am confused b/w HDFC ERGO OPTIMA SECURE PLUS and ADITYA BIRLA ACTIVE YUVA plan.

My father have spinal injury ( l4 + l5 ) and neurological problems. On the other hand my mother have elderly body pain and seasonal illnesses.

Can anyone help which plan will be best and if there is a plan better than the 2 above?

Hello experts,

I am 28 and husband 32 and our kid of 2 months old.

Both of us have health insurances from our respective employers covering 5L and 4L.

I have a health insurance policy from star health which i am not satisfied with, so I have decided to take a policy from other companies.

Please guide me on the parameters which I should consider before taking a policy.

Hi
I applied for a family floater me, wife kids with some PEDs,
1.how much time does it take for accept/rejected notification?
2. I have written mostly the doctors exact diagnosis while filling and attached reports if any, does ergo call back for more information?
3. Does hdfc ergo go through every parameter of blood report if attached, doctor hasn’t mentioned anything about those parameters though.

I am in dire need of genuine advice basis your experience with these health insurance

I’m 27 Male looking to get a health insurance for myself. I have locked in a 15lac Base SI but confused between these two companies
Premium charges:
Hdfc - 10,643
Care Supreme - 10,006(added add-ons to be at equal par with HDFC benefits)

I have an inclination towards HDFC for now and can easily go with HDFC at present with my current finances.
But what concerning me is the premium when I touch 60years basis below(Hdfc increases premium by 3-4% annually vs Care does it every 5years by 15-20%) :

HDFC premium for a 60year right now is 48,200
Adding a 10% increase gets me to 53,020(61year) and adding 10% every year touches the premium to
85,389(66years)

On other hand for Care Supreme(exact same benefits) (post 60years of age is a steep jump and then on every 5years a 30% increase)
61year premium right now is 40,944, adding 30% to it comes 53,330 for 66years of age

No it comes to ₹85,389 for 66years in HDFC vs 53,330 for 66years in Care

Concerning part is would I be in a financial condition of bearing a whooping 85k at a age of 66years(probably no corporate job by then)
Or I should go with Care since 53k is way less

Confused between the reliability and strong claim processing among the two Health Companies.
Pls chime in with you reviews

Hope you all have a good day .

MALE/37/ MERCHANT NAVY

2 KIDS _ 12/10 WIFE_34

ANNUAL SALARY _ AROUND 25 LAKHS.

DOMESTIC ISSUE WITH PARENTS AND SIBLING SO ALL INVESTMENT OR PROPERTY POCESSED JOINTLY WITH THEM LET GONE. BACK TO ZERO WITH JUST SALARY

KINDLY ADVICE A GOOD INSURANCE POLICY FOR ME . IN CASE OF MY DEATH AND INVESTMENT RETURN ON AGE 60.

I recently got to know about ABHA and ayushman bharat PM-JAY Health insurance scheme by GOI.

I saw recently govt. Made everyone aged 70 or above directly eligible for this scheme irrespective of their background and family conditions.

So, will that make my grandpa directly eligible and would pay for his cancer medications and treatments ?

Please help.

Thanks.

I'm planning to get Nivabupa aspire for my four member family.

Should I get a family insurance covering all members of individual insurance for each members?

Kindly give me your valuable opinion. TIA.

Details:

•Me 28y male. Healthy. No diseases.

•Brother 21y. No diseaes

• Mother: 53y Diabetic, Hypercholesterolemia and Ankylosis spondylitis

• Father : 59y, H/o head injury in an RTA in the past. Now taking anti seizure medicine and anti hypertensive. Otherwise healthy.

I have HDFC ERGO my:Optima Secure (₹10L SI), and my policy mentions Dental Treatment covered.

I have a tooth infection, and my oral surgeon has advised RCT + Apicoectomy (root-end surgery). This is medically necessary to remove the infection and save the tooth, not a cosmetic procedure.

Has anyone successfully claimed this under HDFC ERGO or any other Indian health insurance? Was it covered only with hospitalization, or was it approved as a day-care procedure?

Any experiences or advice would be appreciated. Thanks

Need to buy a term insurance for myself having following profile

Age - 30 yrs Male
Salary - 50K (Net)

I want 1 Cr term insurance, can you suggest any insurance for the same till age of 70

Also will it be a physical medical or tele-medical?

Looking for health insurance recommendations for parents in Bangalore.

Currently have star health assure insurance (from past 10 years)

10L insured amount and paying 40k per year.

Dad has BP, diabetes and asthma.

Mom has no such conditions.

I am considering porting from my current Star Health Insurance policy, which I have held for over 15 years, to HDFC Ergo Optima Secure Plus, utilizing the porting option. Presently, I have no pre-existing diseases (PEDs).

An agent has quoted an annual premium of around 12000, noting that I would have to pay 25,000 of each claim during the initial one to three years. This deductible would be removed after this initial period.

However, the agent also suggested initiating a new HDFC Ergo policy instead of porting, thereby avoiding the 25,000 deductible as I don't have any PEDs to worry about.

I am seeking advice on what to do?

Hi everyone,

I am looking to buy health insurance for my family and need suggestions on the best policies available right now. Here is our profile:Me(24) & My Younger Brother(21): Both of us have zero medical issues,

My Mother (46F): She lives back home in our village.Mother's Health Issues:She has chronic joint pain, some spinal bone weakening (L1/L2 vertebrae), and recently had numbness in her left hand which required 15 days of physiotherapy and ongoing medication. She has never had any surgeries.

I want to make sure we get a plan that has great claim settlement, but I am confused about how to structure it.Should I buy one single family floater plan for all three of us? Or should I buy a separate individual policy for my mother because of her medical history?Which insurance companies are currently the most reliable for claims and hassle-free hospital bills?How do pre-existing conditions like joint pain and nerve numbness affect the premium and waiting periods?

Looking forward to your recommendations and advice.

Thanks!