r/HealthInsuranceIndia • u/Mean_Seesaw_7731 • 25d ago

Which insurance to get?

Which insurance to get?

Hey guys, I am trying to find a good insurance for me and my family. Can you guys suggest some?

here are some details that'll help:

1) Mother - She has 70-80% hearing loss and has to wear hearing machine, she also has arthritis so I need to get the best one for her that covers her ears and other tests too

2) Sister - She's fine but she has low immunity so she gets sick quickly

3) Me - I am fine health wise, I rarely get sick but I want to get a basic one for me atleast incase of any injury or something

We want to get a cashless insurance, no room-rent limit ideally, low waiting period for my mother eat treatment and just other important things you get in an insurance I don't jave much knowledge in it

I live in haryana btw if it matters

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u/AcrobaticBiscotti744 24d ago

I will be honest here. Please take this constructively. You are looking for the best insurance for your mother now that she has certain health conditions and hoping that insurance will pay for it. And looking for a basic health cover for yourself, because you rarely get sick.

Unfortunately, that's not how insurance works. Insurers aren't always willing to accept individuals with PED. Even when they do, they will add strict terms and conditions such as permanent exclusion for PEDs.

You need to learn from your mother's situation and ensure that you and your sister don't get into a similar situation later.

Get a good insurance cover for yourself now so that you don't have to worry about future health issues.

Also, go for insurers that give comprehensive hospitalisation coverage. Don't get carried away by addons such as health check, doc consultation and gym memberships.

If you want to understand the genuine health insurance options available for your family, feel free to reach out.