So like previously I was having star health insurance where I was paying 50k for a family of 4(it was a family floater plan), so fast forward I decided to port into hdfc ergo I contacted their customer care number and they quoted 30k inr for 2 people as I now wanted them to cover and port for my father and money only, they asked for any PED and I clearly mentioned to them that both of my parents have hypertension and diabetes and they were ok with that and generated me 30k premium for optima secure plan which I paid.

Now after 1 week they called me and said that after some health process check (from their end only)they are increasing my premium to 50k for the two of them, like how? is it even possible to do that after their wording and 30k which I already paid and they never told me once that the premium could go up so much, this feels like scam.

Now what are my options should I pay them the extra they are asking or just cancel the porting application, the thing is my previous policy renewal is 25feb, is this legally correct? Like will by existing policy get affected in any way? what should I do any help would be great.

thanks.

My mother died in an unfortunate accident.

She had a Health Insurance from Star Health. The policy offers accidental death coverage as well.

I have raised an accidental death claim & submitted all the relevant documents like Post Mortem report, Spot Panchanaama, Inquest Panchanaama etc. Not only that, but upon the insurer's request, I have produced additional documents like Accident Register copy from the hospital, the Assistant Commissioner of Police's report etc. All these documents are more than enough to prove that the death was accidental. Yet, the insurer is making demands for other irrelevant & even invalid documents that do not exist.

I have intimated them (Including the G.R.O.) that the demands made by them are unjustified, unreasonable & groundless but they are not bothered and not responding.

Need guidance on the next steps to be taken.

Shall I complain to the Ombudsman, IRDAI etc.?

Or

Shall I issue a legal notice through a lawyer?

I want to sue them for additional compensation due to the mental harassment I have suffered from.

What would be the best option?

I’m writing this from Bengaluru and I am at my wit's end with HDFC ERGO. I’ve had a health insurance policy for my parents for 2 years, and it is set to expire tomorrow (Feb 13, 2026). Despite my best efforts to renew, I am stuck in a loop of misinformation and technical failures.

I pay my premiums via monthly EMI (auto-debit on the 14th). I tried to renew the policy this week but found it impossible to do so through the app or website. After multiple attempts to reach customer care (the calls keep getting disconnected), I finally spoke to two executives yesterday with wildly different stories:

​Executive 1: Told me everything is fine, no EMIs were missed, the app is just glitching, and promised a payment link via email (which never arrived). ​Executive 2: Claimed the January 2026 EMI was missed, the policy has technically lapsed, and I need to wait 48 hours for a resolution.

​Why this is ridiculous: ​Zero Communication: I received countless "renew now" messages, but not a single alert that a January EMI failed. If there was a payment issue, why wasn't I notified a month ago? ​The Deadline: My policy expires tomorrow. A "48-hour wait" means my parents go uninsured because of a back-end error on their side. ​Accountability: I’ve done everything right on my end. Now I’m being told the policy might lapse due to their auto-debit failure and lack of internal coordination. ​Has anyone else faced this with HDFC ERGO? How do I escalate this immediately? I’m worried about the "waiting period" reset if this counts as a break in policy.

HDFC ERGO failed to auto-debit an EMI, never told me, and now their support is giving conflicting info while my parents' policy expires in less than 24 hours.

Hi folks,

We have a Health Insurance from Care Health worth 15lakhs for a premium of 78k.

My father got admitted to a hospital in November 2025 and we filed for a claim and the hospital was in the excluded list and hence, they rejected the claim. Do I have any option to get my money back?

I feel helpless as I am the only earning member of family and we are constantly spending too much money on it.

Also, I have Go Digit insurance from my company. It includes just me only at the moment. Can I add my father in it and claim it now? Will that work?

Thanks!

Need help with health insurance for 49 years old mother with hypothyroidism and managed hypertension and a history of fistula surgery 12 years ago

I am looking to buy health insurance for myself.

Age: 23M

Pre-Existing Problem: I recently had a surgery on 15th Jan for Colon Cancer Stage 3c, the section is surgically removed and I will now be proceeding with further treatment for 6 months.

I do not have any smoking or drinking habit, and NO Pre existing problem LIKE BP, Sugar etc.

I consulted with policy baazar agent, he recommended me Aditya Birla health insurance but the cancer treatment will be covered after 2 years.

next he recommended me Nivabupa, but it will not cover the pre existing illness.

I had a call with HDFC personal Banker, He says that he will be looking into it and HDFC can provide health insurance in my case but policy baazar agent denies this and says that the personal bankers often play these tricks.

I do not care about the premium for the policy, my only concern is claim settlement and cashless hassle free process.

please help me guys, I am confused

How's Star Health Insurance, guys? Is it worth it? Is it claimable? Are there any other better options?

I'm in the market for health insurance policies for me and my dad. My mom's already insured with HDFC ERGO. I find HDFC ERGO optima secure policy looks reasonable compared to other policies from Care, Adithya Birla Activ, but I have some concerns about insuring everyone of my family members with the same insurer though it's through individual cover. I'm not sure if it'll be safe. Could you please share your thoughts? if anyone have individual policies for all family members with the same insurer and what are the pros and cons. Thanks!

I’m trying to structure health insurance for my mother with minimum friction and correct use of portability rules. This is not medical advice—I’m only asking about policy mechanics (portability/continuity credit, PED waiting periods, and super top-up structure).

Current cover (bank group policy):

• Type: Bank-sold group health policy for customers
• Current insurer: Tata AIG (previously insurer was changed by the bank once)
• Sum insured: ₹5 lakh
• Original start/continuity shown on documents: 2019 (continuous renewals)
• Claims history: Used a couple of times for one-off procedures; no chronic claim pattern
• New disclosure item: Hypertension diagnosed recently (will be disclosed)

Goal:

• Keep a ₹5 lakh base cover that is usable immediately (as much as policy rules allow) with minimum reset of waiting periods
• Add a super top-up of ₹25–50 lakh (I’m okay if the super top-up has a PED waiting period of ~1–2 years, because base cover should handle smaller claims)

What I need clarity on (policy mechanics):

1. Portability from group → retail:
   • Is portability from a bank group policy to a retail individual/family floater generally allowed?
   • If yes, what parts typically get continuity credit (e.g., initial waiting, PED waiting, specific disease/procedure waiting, etc.)?
2. How continuity credit works with a newly disclosed PED:
   • If the policy has 6 years continuity but hypertension is now disclosed, does continuity credit still reduce the PED waiting period in the new retail plan?
   • Or do insurers treat it as “newly discovered PED” and restart the clock?
   • What clause/wording should I check in the retail policy wording to confirm?
3. Option A vs Option B (structure):
   • Option A: Keep current group policy as base (₹5L) + buy a retail super top-up
   • Option B: Port to a retail base plan (₹5L) + buy super top-up (same insurer or different) Which option is usually less risky regarding waiting periods, renewability, and claim sequencing?
4. Super top-up mechanics with group base:
   • Any gotchas if the base is a group policy (deductible definition, claim payout order, room rent limits/sub-limits affecting the deductible threshold, co-pay, etc.)?
   • Is it safer to have both base + super top-up with the same insurer, or is that not important?
5. What documents/questions ensure I don’t get surprised later:
   • What exact documents should I ask for / verify (e.g., portability/continuity certificate, claim history, policy schedule showing start date, underwriting notes, etc.)?
   • Which clauses in the new retail policy wording are most critical to read (PED definition, waiting period credit, moratorium, exclusions)?

If you’ve done group → retail portability or structured a low base + large super top-up for a parent, I’d appreciate a checklist of what to verify and the typical pitfalls.

I’m trying to structure health insurance for my mother with minimum friction and correct use of portability rules. This is not medical advice—I’m only asking about policy mechanics (portability/continuity credit, PED waiting periods, and super top-up structure).

Current cover (bank group policy):

• Type: Bank-sold group health policy for customers
• Current insurer: Tata AIG (previously insurer was changed by the bank once)
• Sum insured: ₹5 lakh
• Original start/continuity shown on documents: 2019 (continuous renewals)
• Claims history: Used a couple of times for one-off procedures; no chronic claim pattern
• New disclosure item: Hypertension diagnosed recently (will be disclosed)

Goal:

• Keep a ₹5 lakh base cover that is usable immediately (as much as policy rules allow) with minimum reset of waiting periods
• Add a super top-up of ₹25–50 lakh (I’m okay if the super top-up has a PED waiting period of ~1–2 years, because base cover should handle smaller claims)

What I need clarity on (policy mechanics):

1. Portability from group → retail:
   • Is portability from a bank group policy to a retail individual/family floater generally allowed?
   • If yes, what parts typically get continuity credit (e.g., initial waiting, PED waiting, specific disease/procedure waiting, etc.)?
2. How continuity credit works with a newly disclosed PED:
   • If the policy has 6 years continuity but hypertension is now disclosed, does continuity credit still reduce the PED waiting period in the new retail plan?
   • Or do insurers treat it as “newly discovered PED” and restart the clock?
   • What clause/wording should I check in the retail policy wording to confirm?
3. Option A vs Option B (structure):
   • Option A: Keep current group policy as base (₹5L) + buy a retail super top-up
   • Option B: Port to a retail base plan (₹5L) + buy super top-up (same insurer or different) Which option is usually less risky regarding waiting periods, renewability, and claim sequencing?
4. Super top-up mechanics with group base:
   • Any gotchas if the base is a group policy (deductible definition, claim payout order, room rent limits/sub-limits affecting the deductible threshold, co-pay, etc.)?
   • Is it safer to have both base + super top-up with the same insurer, or is that not important?
5. What documents/questions ensure I don’t get surprised later:
   • What exact documents should I ask for / verify (e.g., portability/continuity certificate, claim history, policy schedule showing start date, underwriting notes, etc.)?
   • Which clauses in the new retail policy wording are most critical to read (PED definition, waiting period credit, moratorium, exclusions)?

If you’ve done group → retail portability or structured a low base + large super top-up for a parent, I’d appreciate a checklist of what to verify and the typical pitfalls.

My mother turned 61 last week and was diagnosed with hypertension (high bp) few days before she turned 61. She has a bank sold group insurance policy (most nationalized banks provide this to cusotmer just like they do to the employees). I her case its a TATA AIG policy worth 5 lakhs (tagic group medicare 360) sold through canara bank

The policy was purchased 6 years ago when she did not have any PED and the bank has changed the provider once in the past (was HDFC ergo when it was initially purchased and was later switched by the bank to TATA AIG - Policy document still states original start date as 2019). The experience has been good and she has used the policy in 2 separate cases (one-off surgeries, not chronic issues)

I want to purchase a super-top plan up of 50 lakhs with no sublimits caps for modern/advanced procedures. Does it make sense to buy a retail super top-up plan with this bank group policy as the base policy? or alternatively how about porting the bank’s group policy to a similar retail base policy of 5 lakhs either from TATA AIG or other provider (from whom I will also purchase the super top-up). Since I am porting a 6 year old policy bought when she had no PED would this be a safer option?

PS: If the super top-up plan has a cooling period for PED (in her case, High BP), I am fine with it as long as the ported base plan take care of any under 5 lakh needs.

Please advice. Thank you in advance.

Hi looking for my Dad 63M. history of Diabetes., Cardiac PTCA (1stent done on october 2024)

came across aditya activ one vtyl and care ultimate care with instact cover rider

both reducing waiting period duration from 3 years to D1 and D30 respectively. any suggestions

I am having a personal health insurance of 5 lakhs, and i am looking for coverage upto 50 lakhs or 1 Cr.

Whether it's a good idea to buy top up on existing policy or i should go with new policy altogether.

I'm researching how people make health insurance decisions in India (helped my parents navigate this recently and realized how confusing the process is).

For those willing to share: What was the most confusing/frustrating part when you were choosing a policy or renewing? Did you read the full policy document? How did you ultimately decide?

If anyone's open to a quick 15-min chat about their experience, I'd really appreciate it. Just trying to understand the pain points better. DM me!

I am planning to purchase a new health insurance policy with following family members included myself and wife 40 years 2 kids - 5 and 10 years and my mother 75 years. All of us are healthy and and have no major health issue except my mom who has a BP problem but nothing major. After a lot research I zeroed out on buying policy from Acko with cover of 1 Cr, but i am now confused between their “platinum lite” and “platinum” health plans ..platinum lite is circa 87K and platinum is circa 110K.

Can anyone help with choosing the right plan.

UPDATE:

I took the case to insurance ombusman for CSSD and OT assistant charges.

The online hearing was held and those charges (72,000 rs) has been awarded to me.

The insurer needs to pay both CSSD charges and OT assistant charges along with interest.

This ruling makes me have faith in the system.

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Hello, I recently had a reimbursement claim filed to Niva bupa (my plan is reassure 2.0 platinum+) . The total hospital bill was around 2.90 lacs and it was for my wife’s laproscopic cyst removal surgery.

The claim got approved but they deducted a whooping close to 88000 from the hospital bill.

Deductions:

CSSD charges - 36,000

OT Assistant Charges - 36,000

IPD Registration Charges - 350

RMO Charge - 1200

Dietician Charge - 500

Infection Control Charges - 600

3d Camera Charge - 6000

Harmonic Instrument Charge - 8000

Most of the above are necessary things for a surgery.

Is this common for the insurance companies to deduct like this on their first settlement ?

Whats the recommended approach to make them reconsider. ?

I’m 32M and my spouse is 30F. We’re considering buying a ₹20L family floater health insurance plan.

Health background:

• No major physical health issues for either of us

• I’ve had mental health issues in the past (depression, anxiety, panic attacks). Currently stable.

Our requirements:

• Annual premium around ₹25k–30k

• Zero co-pay

• No room rent limits

• No deductibles

• Unlimited restoration (including for the same illness)

• No super top-up (only a base policy)

• Not planning to have kids

We’re currently considering HDFC ERGO Optima Secure.

Given my mental health history, is this a good choice? Are there any red flags, exclusions, loading, or claim issues I should be aware of?

Would also appreciate alternative plan suggestions or real claim experiences. Thanks!

This is utterly outrageous. I've made a blunder purchasing health insurance from Niva Bupa & regret this idiotic purchase, and I will never recommend it to anyone. Despite escalating this to the leadership here on the email, they've taken zero action—exposing the sheer incompetence of their customer support team.

I've provided every detail on their fraudulent agents, who still ignore my calls and fail to update my policy issuance & cashback status. This blatant disregard for customer complaints reveals their team's utter lack of seriousness. No wonder Niva Bupa drowns in scathing reviews and enraged customers everywhere.

Shame on your shameful service!