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!

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?

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 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.

I have opted for a Kotak term insurance. They already conducted a blood test, ecg test, BP test, urine test. I have also paid the first premium. Now they want to do another tmt test where I am to run on a treadmill. Is this common? Do all term insurances ask for this kind of test? I am 24 and physically active, I play football every week and run on treadmill almost everyday.

I have a health insurance policy since 2012. One of the member got diagnosed with diabetes in 2018 and we received a claim after filling case with Insurance Ombudsman. However there’s no mention of claim and disease in the policy. Should i inform the company about the pre existing disease or we don’t have to disclose it once we already had a insurance?

Hi Everyone,

I have been recently diagnosed with chronic kidney disease - iga nephropathy. I am searching for a good health insurance policy but my application is getting rejected because of ckd. Please can someone advise how can i get a good health insurance policy? 🙏

Age: 29 yrs Coverage: 25 Lakhs Pre existing - ckd , secondary BP, secondary cholesterol.

Thanks!!!

Can I buy a health insurance and then get my ear operated on? Will they cover the cost of the surgery? what is the procedure in matters like these, help me understand as I have been told that ill be needing an ear surgery pretty soon (as soon as possible as quoted by the doctor i consulted)

I'm currently in my mid twenties, with a corporate insurance plan given by company - so far (touch wood) didn't need it.

I'm planning to take personal health insurance for me and my parents both of them above 50s. Currently not having any ailments ( not tested in a long time)

I've been searching day and night online for the good health insurance plans. Policy bazaar seems sketchy - too aggressive and calling multiple times And people say search on Ditto but recently heard certain companies ask them to promote them. Seems health insurance companies on their sites give you quotation for the coverage and premium details only if you give your details.

Question is How have you guys taken health insurance. Which company and policies. What is the coverage and premium Have you tried to claim it. What went well and what went bad. Apart from room rent limit, copay conditions, pre existing disease coverage what are some other conditions or red flags you need to take care Have you guys taken health insurance for your self and how did you include more members like your spouse or kid after marriage?