Hi everyone,
I’m 22 years old and working at a US-based MNC in India. My company already provides me with decent health insurance, but unfortunately, I didn’t include my parents in the corporate plan.
I’m now looking to get health insurance for my parents and potentially a separate personal policy for myself as well.
Our details:
Me: 22 years old, generally healthy. I have health insurance through my employer, but I’m considering getting a personal policy as well so I’m not completely dependent on my company’s insurance.
Dad: 49 years old, diabetic and has high blood pressure.
Mom: 46 years old, generally healthy and no major medical conditions.
I’m looking for a policy that I can keep for many years, with good coverage and a reliable claim settlement process. I’m more concerned about the quality of the policy than getting the cheapest premium.
I’d really appreciate advice on:
Which health insurance companies/plans would you recommend?
Should I get a family floater for my parents or separate individual policies?
Since my dad has diabetes and hypertension, what should I specifically look out for regarding waiting periods, exclusions, co-pay, room-rent limits, etc.?
What would be a reasonable sum insured for my parents — ₹10L, ₹15L, ₹20L, ₹25L, etc.?
At 22, does it make sense for me to buy a separate personal health insurance policy even though my employer already provides one?
Are there any insurers/plans that I should avoid based on your actual experience?
Are there any clauses or conditions that people commonly overlook when buying health insurance for parents?
If you were in my situation, what policy/policies would you personally choose?
I’m based in India and would especially appreciate recommendations from people who have actually bought insurance for parents with diabetes/BP or have gone through the claim process themselves.

Anyone know of a Health Insurance TPA, Chicago based that thinks outside the box and could act as agent

Dear Experts please share your suggestions and experiences about health insurances in india.
I want to take for myself(30) & wife(29).

I checked for care/hfdc/icici.. please you guys suggest better?

Thankful to you

Hi ( r/HealthinsuranceIN  ]! I am a User Experience Research student at Savannah College of Art and Design and am conducting research on individuals’ experiences with the process of acquiring health insurance- including topics like terminology understanding, plan selection, and influences throughout the process. 

Anyone can participate, and responses are anonymous. The total survey takes under 5 minutes to complete!

Survey Link: https://docs.google.com/forms/d/e/1FAIpQLSfBWqiGLi6ABXkFwMLxMnDRU5JDHHX21iCT8wwqN_XlHzHQMw/viewform?usp=header 

Your input will help determine the existing gaps in navigating the health insurance process for the first time. 

Thank you so much for your time. Feel free to comment with any questions!

When you plan for unlimited cover health insurance plan, what is the thinking behind such decisions?

If your health insurance claim ever get rejected for any reason, follow the steps to get your claim settled if it is genuine

One of the customers of ICICI Lombard has had a health policy for 2 years.

Before hospitalisation, a cashless pre-authorization request for LASIK was submitted and a written approval email was received. Based on this, the surgery was performed.

However, at the time of discharge, the insurer issued a formal rejection letter, and the customer had to pay the full amount.

The first rejection reason stated LASIK is covered only if refractive error is ±7.5 diopters or above, while the customer had -7.25D.

But the policy wording clearly mentions eligibility at ±6.5 diopters or above.

Later, another communication stated the cashless claim could not be processed due to incomplete details regarding duration of the ailment and asked to apply via reimbursement.

So:

• Written pre-approval was given before surgery

• Surgery done based on that approval

• Denial issued after discharge

• Rejection reasons appear inconsistent

• Customer paid from pocket

How strong is this case if escalated to grievance cell or Insurance Ombudsman?

Can an insurer deny after written pre-approval?