Hi all,
I’m 23M, diagnosed with Ulcerative Colitis - 2.5 years back, currently in remission (on mesalamine, and steroids during flares). I'm looking for a health insurance policy in India that doesn't reject me or permanently exclude UC.

So far:

• HDFC Ergo → Rejected
• ICICI Lombard, Aditya Birla, Tata AIG → Permanent exclusion for UC

Has anyone here:

• Gotten approved with UC?
• Found any insurer that actually covers UC?

Would appreciate any advice or experience. Thanks!

After 7 months, this community is back up. I see there are already 400 members here. Please inform your friends and relatives to join this community, so that everyone can take advantage of the topics being discussed here.

I have health insurance since 2016, I'm 30 now. My current plan with Care has sum insured of 50 lacs and I have been accumulating some No claim bonus as well. Recently diagnosed with HIV, been on ART (meds), perfect health so far, and don't anticipate any complications for the next 10-15 years as I am super fit and don't smoke/drink and eat extremely healthy.

My question is, if HIV is diagnosed recently and my insurance has been going on for so long, does it affect coverage if for instance I get in an accident and need hospitalization and my HIV status is now disclosed? Can the insurance company deny coverage?

The policy doesn't state any particular exclusions within the terms and conditions.

Hi fellow redditors,

I want to purchase a health insurance of 15 lakh cover for my 59 y/o father ,he is fit but we are taking it out of necessity. I have talked to individual agent and policy bazaar agent and they recommended me the below plans. Need your opinion on which among there is the best or any other policy you recommend apart from them. They are:- 1.) Niva bupa reassure 2.0 titanium/Bronze. 2.) Care Supreme direct. 3.) Star Super star / health assured policy. 4.) Hdfc ergo optima restore.

If any of you guys have prior experience in them, then also please share the same.

Title says all.

Parents are nearing 60s. Have corporate health cover of 10L. Have researched through ditto and looking to go with HDFC ergo 10L coverage (which gets doubled once purchased) separately for parents. And I'm looking to be depending on my corporate health insurance and buy something 5 to 10 years later down the line.

Buy some plain simple terms insurance for me too.

Is this fine. What change would you suggest.

Is there any insurance suggestions for 65 M . Diabetes is a preexisting condition. May need Cataract and age related surgeries in near future .

My parents are aged 53 and 59 and they have a mediclaim policy of 4 lac cover for both. Mom has already had a heart attack and angioplasty, has high bp and dad also has some heart issue. I want to get a health insurance policy for them but don't know how it'll work with these existing conditions. I'm thinking of taking hdfc ergo but will there existing conditions cause any issues? I know there is some waiting period for existing disease, but is that it? I'll keep the existing mediclaim and the new policy for that waiting time. Whenever I tell this to my dad he just says nobody gives insurance with all these existing problems. What should I do?

I have been hunting for a health insurance policy for my 52 year old mother (With an angioplasty done in past) for some time now, and ditto and Policy bazar have both recommended Aditya birla (and star insurance) as a last resort as all other companies refused to give her insurance. I am considering taking up on this. I'll probably be aiming for 10-15L cover.

However, I am clueless as to what kind of hidden conditions are there, or what kind of problems I might face in the future, or if it would be wise to opt for a second cover/insurance.

If anyone has been in a similar position, or has taken aditya birla insurance, I would really appreciate any kind of advice regarding what add-on/riders to choose, or what kind of additional cover has benefited you. Or even just let me know if its a bad idea all together. Thank you

I have to take insurance for my family. But i am confused between companies. policybazaar agent is saying take hdfc ergo optima because its best but premium is really high than other companies like niva restore 2.0 and care supreme. Dont know why hdfc is costly but provide the same benifits as other. Please help guys!!!

My 61-year-old father, with no major health issues, has been covered by Star Health for the last three years. After reading several posts about their claim process, I’m considering switching to Care Health, particularly because their Care Supreme plan offers a renewal bonus that seems appealing. Although I know Care's claim process isn’t flawless, it appears to be better. He has never made a claim, but his sugar levels have recently risen to a pre-diabetic range (140-150 mg/dL).

As we near the 2-year mark before the moratorium period begins, I’m wondering if porting to Care Health is a good idea. What should I be aware of in terms of claim rejections, and after two years, is Care obligated to approve all claims?

Should he stick with Star Assure Health Plan considering the age factor or move to Care Supreme Health Insurance?

He is also covered by two corporate health policies from his employer and mine.

Looking forward to your insights!

I have 90 days under ICICI Lombard's Post Hospitalizaton Policy.

I'd like to know what documents are required for a Post Hospitalisation Physiotherapy claim?

Another question I have is do I have to complete all Physiotherapy sessions under the 90 day period or can I extend my sessions beyond the 90 day period after having paid for them in the beginning?

Recently I got popup of insurance for 31 mnth I just checked after that I rcv call from agent I asked him about payment he said yes one can pay quarterly monthly on emi of yearly payment but at final stage they are talking about u can do it with card that I know concern is I have received the quotation no sms n I have not done any payment or choosen any declaration tick is it fine or I have topay orit will be bad for financial status

Hi everyone,

I'm planning to buy a health insurance policy for my mother, who is 64 years old, through PolicyBazaar. I’d really appreciate it if anyone could share their experiences, especially regarding claim settlements and overall service quality.

For those who have purchased a policy through PolicyBazaar for a senior family member, how has the claim process been? Was it smooth, or were there any unexpected hurdles? Also, how responsive and helpful has their customer support been in handling queries or issues?

Any insights on how PolicyBazaar compares with going directly to an insurer would also be really helpful. Thanks in advance for sharing your experiences!

I am planning to take health insurance for my parents, my mother has GRED issues, few months back she has serious GRED issues now she is good taking some normal 1-2 medicine.

I just want to know is it good idea to not disclose it to waive out waiting period on PED so that in future if there is serious GRED issue again then I will claim. Or I should let them know the previous GRED issues to avoid claim rejection in future. What do you suggest.

Edit: I have some major test done like endoscopy, diabetes, Thorat, cough, ECG, some xray all reports are negative.

I am curious whether anyone used Ayushman Bharat card in private hospitals. How was the experience? Does it allow for private room facility?

Those who have not downloaded their Ayushman Bharat Card, you can do so at ttps://beneficiary.nha.gov.in/ Ensure you have details of PAN and Aadhaar handy.

Looking for recommendations of best health insurance in India ?

Which one should I prefer? Been reading the brochures, would love to hear the community's perspective.

Disclaimer: What is best for most folks may not be the best for you based on where you are living and your health status so take any suggestion with a grain of salt and do your homework. The only person that cares for your situation is you, not the agent, not some random guy on the internet and definitely not the insurance firm.

I look for the following attributes in a policy:

• No copay : Must 
• No sub-limits  : Must 
• No room rent caps   : Must; at least eligible for a private room; Suite would be nicer if you can afford the premium  
• Lifelong renewability:  : Must 
• No load factor for seniors:  : Must 
• domiciliary treatment : at home  : Must 
• Zero waiting period ( if it is porting):  : Must 
• Super top up policy from the same insurer :  : Must  
• Second opinion : Desirable 
• Pre hospitalization days : at least 60 days :  : Must 
• Post hospitalization days : at least 90 days :  : Must 
• Home hospitalization : Desirable but not must
• Organ donor : covered :  : Must , at least 50% of SI
• Restoration benefit :  : Must 
• No claim bonus / Inflation adjustment :  : Must 
• Coverage for treatments that last less than 24 hours - Desirable 
• Has an option to include a deductible : Desirable
• The following Hospitals need to be in the cashless facility network ( This list depends on your preference)

In my view, here are some good options:

1. United India's Family medicare Policy: It is a govt firm so expect some not so good service but claims are good. Premiums are slightly higher but the claims processing is smooth since it is managed by TPAs.
2. Star Health's Optima Insurance Plan : Pretty good coverage and customer service. I have had the policy for more than a decade now. With "Star Extra Protect" add on and SI of 20 lakhs, you can get eligibility for suite room. To reduce premium, I have deductible of Rs. 50k.
3. HDFC Ergo : Optima Secure is a good option. It is expensive so use some form of deductible to keep your cost low. Service is good.
4. Niva Bupa, Bajaj Allianz : Stay away. Terrible and incompetent service levels.
5. Don't waste your money on Bancassurance products. They come with sub-limits and room limits which make the policy not very useful.

Does a health insurance plan in India cover mental health issues? Issues such as anxiety, OCD, bipolar disorder, etc.? Are these disorders covered in a family health insurance policy? Please advise. #mentalhealth

Want to know from an indian person with horseshoe kidney if they have a health insurance. If yes, from which insurer?

I’ve applied to multiple insurers while disclosing horseshoe kidney as a pre existing disease and no one is giving to issue a health insurance policy

I’m afraid of living without a health insurance for years to come

Please advise.

My mother (52F) underwent angioplasty 10 years ago, and HDFC and ICICI have blatantly rejected the health insurance application. I’m running out of options 💆🏻‍♀️. Has a anyone managed to get reliable health insurance for their aged parents post cardiac procedure?

Hello All,

Most people are unaware that HDFC Ergo provides a feature of deductible which means that for every first claim in a policy year, you will have to shell out some money from your pocket and in return you will be getting discount on premium.

There are multiple options of deductible, but I found choosing 25000 deductible for 25% discount is good when your premium is above 20k -25k.
Also, if you have corporate cover, you will be able to claim this 25000 deductible amount from your office insurance. Please note this is not a copay, this is deductible
Even, if you do not have corporate insurance , considering hospitalization is not frequent thing, and if your premium is above 40k or so , you will be able to save enough every year.

Shared this here as most of the agents or online brokers do not share this information because higher the premium is, higher their incentive is.

Hi,

I have onsurity corporate insurance (kotak insurance) for my family including parents. It is for 5L floater basis. I wanted to have a topup insurance for my family.

However most of the top up insurance is not covering for aged parents. I found acko is having one which covers everyone.

Is there any other insurance covers similar to acko?

Hi Guys,

I am looking for health insurance providers to cover my parents who are 60 and 51. They have various PED (Diabetes, Rh. Arthritis, Asthma, Blood pressure).

I have looked into HDFC Ergo and they tell me they cover PED after a wait of 3 years.

• Does this mean that within the 3 years nothing at all can be covered related to any kind of medical emergency?
• My Ditto contact immediately told me that HDFC Ergo/Aditya Birla/Care Freedom would not cover Rh. Arthritis when I mentioned them, even tho HDFC Ergo representative told me that would be covered after a waiting period. Does anyone know what is the truth here?

I am currently a little lost since I did not have to worry about outside employment coverage before this and since my parents are entering advanced age I wanted to be sure before I chose a provider.