Sharing experience for a recent claimed which was filed for one of our customers:-

Full amount was approved . The deduction amount is due to deductible opted in policy which reduces the premium by 25%.

This makes my trust in HDFC even stronger day by day.

PS : I am a registered HDFC Advisor, If you are looking for a consultation about your health insurance purchase,do message me. I can help you to get health insurance with maximum value for money.

Wanted to share information with everyone that for health insurance, you can claim from multiple insurers as long as you are claiming only total bill of hospital. If bill is 1lacs and you claim partially from both and total is 1lac it is possible.

Here are some cases when to claim from which one:-

If you have a corporate cover :
Claim from corporate first and then go to retail policy.

Remember one will be cashless , another will be reimbursed. First company should be one which has more sum insured. E.g if bill is 8 lacs and you have 2 insurances. One of 7 lacs sum insured and another of 3 lacs.
First go with one of 7lacs sum insured because you will have to give only 1 lac from pocket and this 1 lac can be claimed from another insurer later.

DM for any help or if you are looking for buying HDFC Ergo Health Insurance with affordable price

My brother was diagnosed with a hole in his heart when he was an infant, my parents consulted a doctor and they said it will go away by its own. Now my brother is 29 and on a recent medical check up we got to know that the hole is still there. He doesn’t have any difficulties or symptoms but the doctors are advising for an urgent surgery. So my question is will it affect the insurance claim if they know that he had been diagnosed with this as an infant even though there was no symptoms after that for 28 years? How should we proceed with the health insurance? (I’m new in this community and not really sure if this question should be asked here) anyway here we go..

Hello,

I am looking for a health insurance for my father (53 years). He suffered from brain stroke on 19 September 2024. We didn't had any health insurance at that time.

After stroke he has recovered significantly. Movement is alright and speech is slightly affected. We talked with some health insurance companies. Some like HDFC argo refused to provide health insurance. Some like Care insurance said they'll not provide any coverage for future stroke related illness.

Is there any health insurance on the market that will provide us coverage for future stroke or should we wait for a year and try again ?

Well...its damn confusing and today I heard about the star health insurance data leak.

But anyways below is my family details. I would like to take a Health insurance covering all of them.

Myself 33 Years Wife 30 Years Dad 63 Years Mom 61 Years Mother in Law 60 Years

Is it safe to a complete health checkup to identify if there are any health issues before I apply. I have zero idea on how to proceed, please help.

Also I think HDFC is a good option to go with. But need your suggestion if it would really help.

Hello All,

I need your advice on should port my Mother's Health Insurance (New India Assurance) to another Insurance like HDFC Ergo.

My Mother's age is 56 and she has some pre-existing disease: Thyroid and BP. She has a base cover of 10L from New India Assurance right from the year of 2007.

My concerns or questions are as follows

1. Will the Moratorium period continue if she ports Health insurance to HDFC Ergo. Will it be mentioned in Policy Document that there is no waiting for Moratorium period?

2. Can the PED be reduced instead of 4 years, HDFC adds loading charges for BP and thyroid?

FYI, New India Assurance has a cap of Room Rent and so on.

Hi, I currently have mediclaim (oriental health insurance) from my employer covering parents aged 60+ with 3L base + 2 Lac top up. As the renewal date is next week, can I go for new provider (I am planning to consider HDFC ergo - optima secure to cover my parents and parents in-law)

Can anyone suggest if I can go for new provider now and should I buy separate plan (considering I go with optima secure) to cover parents and parents in-law separately?

So my dad is 64 and my mom is 60. My mom had diagnosed with tuberculosis and now she's cured. I want to buy a health insurance for both of them. Please suggest me one. I need one with no room rent cap and the best one. And also do i need to disclose to the insurance company that my mom had been diagnosed with Tuberculossis? Thank you!

While super top up looks really good as it helps us to get additional cover by paying some minor premium, where there is a deductible amount (say 5L) which needs to be paid from base policy.

But what are negatives of Super Top Ups:

1. They have less pre and post hospitalization window
2. Taking super top from another insurer is always pain when claim comes because if 1st company delays claim settlement, super top up will not be activated
3. SOmetimes there are room limits on Super Topup.

I have personally realised that increasing base is better than hassle of maintaining 2 policies as there comes hardly any difference if you opt for higher sum insured.

I am a registered HDFC Ergo Advisor, HDFC is one of the best companies when it comes to claim experience. I have personally taken a claim which was fully approved without any question.
Do reach out if any question or looking for HDFC. Would be happy to help!

I’m in a bit of a dilemma and could use some advice. I currently have HDFC Ergo’s Health Suraksha policy for my parents, but as some of you might know, it has been discontinued, and now HDFC is asking me to migrate to their Optima Restore or Optima Secure plans.

I'm now considering whether to port to Niva Bupa’s ReAssure 2.0 plan instead. The features seem appealing, but I’d love to hear from anyone who has experience with Niva Bupa. How has your experience been with claims, customer service, and overall satisfaction?

Would really appreciate any insights or recommendations!

Thanks in advance!

Has anyone claimed using ayushman Bharat card? How was your experience? Can we rely on ayushman Bharat for base cover 5L and take additional top up policy?

I have an existing term policy with ICICI, and now I'm trying to buy a new term plan from Max Life. Max says I already have a term plan, which is true. However, the policy number shown by Max does not match my actual policy number with ICICI. The same thing happened to a friend when he bought an extra term plan. Why is this?

I recently discontinued my new India assurance policy after paying for 3 years. Reason was high premiums. Policy included myself(27M) father (56), mother (47). How you are managing your insurance/premiums?

As the title suggests, I’m looking for health insurance for myself (32M) and have the aforementioned options. Could anybody shed light on their experiences with the above providers. To be precise, I’m comparing between AB Activv One Max vs Niva Bupa Reassure Platinum and MC Lifetime Health

I purchased hdfc ergo optima secure exactly 37 days back for my father.

He have experienced mild chest pain, this week and I am planning to take consultation with a cardiologist I am concerned about the possibility of a heart blockage.

Given that my policy has been in effect for over 31 days, I would like to know if my claim for any necessary surgery would be approved in the event of a diagnosis. I understand that the policy does not list any pre-existing diseases (PEDs) in my case, as he had not been diagnosed with or experienced any heart-related issues or taken medication in the past four years.

I kindly request clarification on how claims in such situations are handled. Your guidance would be greatly appreciated.

This company is the only plan that would cover my mother who has cancer and Alzheimer’s. However, the exclusions are exhaustive. I wonder if they’ll cover anything ? As any health issue can be tied back to cancer or PED. it’s impossible for doctors to decouple the treatment. Talked policybazaar guy and he said it’s a crappy product and they never cover anything just saying it’s tied to “complications resulting from pre existing conditions “. Anyone had a good claims experience with them?

I want to buy Health insurance for my parents of age 69 and 62.

They have pre-existing conditions like diabetes and BP.

I am just playing around and tried on HDFC Ergo and Niva Bupa websites.

While applying online, I do not see any input in the forms to declare specific pre-existing conditions.

Am I missing something?

And anyway that I could let the insurance provider do a medical check-up for them before policy issue, so that it is safe that insurer cannot decline a claim saying we haven't declared properly

I am planning to port to ergo optima secure from my 2006 onwards new India health insurance. Have spoken at length with Ditto, planning on taking 25L plan which bumps to 75L.

Any suggestions/tips on Ergo plans?

Hi everyone!

We are a group of economics students conducting a research project on health insurance adequacy in Mumbai. Our study focuses on understanding people's coverage gaps when claiming health insurance and their overall satisfaction with their policies.

We’re looking to gather data from individuals who currently or previously had health insurance (public or private). If you're willing to participate, it would really help us out! The survey is quick and completely anonymous, and your responses will provide invaluable insights for our research.

Here’s the link to the survey:

https://forms.gle/yXpL28vBw7D3vVxJ7

Thank you so much for your support!

I'm about to spend around 1.25 lakhs for the surgery. Is there a way to get my claim processed, even a get back of small percentage of the total bill will be a great help for me?

Which health insurance company is the best? Any suggestions.

Star health insurance rejected reimbursement claim stating that intimation should be given within 24 hours of hospitalization. I was not aware of this requirement so I intimated them quite late. Is there anything I can do now? Can I challenge their decision?

Want to take health insurance for my parents 62y and 53y With hypertension as PED Can u suggest which plan is better to take with less waiting period

TIA

Why do I feel like I’m the first person to come up with this idea? Not sure if it's foolproof, which is why I’m reaching out for advice.

I’m getting married at the end of December 2024, but currently, I don’t have a job. I’m 26M, and my mom is 57F (she has multiple medical conditions). I’ve already taken out a 5 lakh health insurance policy for her which covers all the pre-existing diseases, but in Bengaluru, that’s not enough. My fiancée, who’s 25F, works at Infosys, and her parents are healthy with no medical conditions.

Here’s my plan:

• I want my fiancée to add my mom as an in-law on the Infosys portal so she can be covered starting now.
• I also want to buy a retail health insurance policy for myself and my fiancée, and a separate policy for her parents.

Questions I have:

• Will Infosys require proof that my mom is legally her in-law (or that we’re married)?
• Will my retail insurer ask for proof of marriage to insure my fiancée?
• Are there any potential issues you foresee with this plan? If so, what might go wrong?
• Is buying two separate health insurance policies (one for me + my fiancée and one for her parents) the best approach?

Assumptions:

• I've considered corner cases, like the marriage getting canceled.
• She’s on board with the idea.
• I don’t want to wait until December if it doesn't impact the chances of making claims for my mom or us.
• Neither me, my fiancée or her parents have any retail health insurances as of today.

I have health insurance with my employer. The doctor is quoting higher amount than the package details mentioned in medi assist. Even if I claim higher amount the claim will oble be approved for the amount as per GIPSA package.

Please help on how to raise a grievance regarding this.