r/InsuranceForAll

Does anyone have Luminare Health Insurance? They are the third party managers of my Aetna Plan and they are the absolute worst. Claims are supposedly handled within 30 business days. I have one claim still “in process” from 5 months ago. They refuse to estimate costs regarding doctor’s appointments or tests. How is even legal? There is mo complaint department and all my emails requesting a supervisor or information to send complaints have been disregarded or left unanswered. Most of their email responses seem AI generated. WTF?

Hi everyone,
I currently have a ₹5L corporate health insurance from my employer, but I want to buy an additional personal retail health insurance plan for long-term safety.
What I’m mainly looking for:
• ₹5-10L base sum insured
• Unlimited / very high no claim bonus accumulation
• Good restoration benefits
• Gym / wellness benefits
• Good annual health checkup
• Overall maximum long-term value

I’ve shortlisted these two plans:
Care Health Ultimate Care
Star Health Super Star secure

Now the premium difference between both is almost negligible for me.

In Care, the add-ons/features I want are mainly available only on a 2-year policy.

In Star, I’m getting features like “Freeze Your Age”, gym benefits, health checkups, etc. even on a 1-year policy.

I’m young and healthy currently, so I’m looking at this more from a long-term perspective rather than immediate claims.

Which one would you suggest?

Would really appreciate opinions from people who have actually used/claimed from these insurers.
Also open to other better suggestions in a similar range.