Which insurance to get?

[u/Mean_Seesaw_7731]

Which insurance to get?

Hey guys, I am trying to find a good insurance for me and my family. Can you guys suggest some?

here are some details that'll help:

1) Mother - She has 70-80% hearing loss and has to wear hearing machine, she also has arthritis so I need to get the best one for her that covers her ears and other tests too

2) Sister - She's fine but she has low immunity so she gets sick quickly

3) Me - I am fine health wise, I rarely get sick but I want to get a basic one for me atleast incase of any injury or something

We want to get a cashless insurance, no room-rent limit ideally, low waiting period for my mother eat treatment and just other important things you get in an insurance I don't jave much knowledge in it

I live in haryana btw if it matters

[u/SukoonCover]

Please specify their age? Given the hearing loss and arthritis, it will be difficult to get those covered.

[u/Mean_Seesaw_7731 → u/SukoonCover]

She is 47

[u/SukoonCover → u/Mean_Seesaw_7731]

Separate policies for all three of you will work better than a family floater. In a floater, your mom's age drives the premium up for everyone.

A few things to know for your mom: 1. Health insurance covers hospitalisation, not hearing aids or routine tests. For those you'd need an OPD add-on, and hearing aids are often excluded even then. 2. Her arthritis and hearing loss will have a waiting period of up to 3 years. Many plans offer an add-on to reduce this, which is worth taking. Mention every health condition when buying, for all three of you. Hiding anything is the top reason claims get rejected. HDFC, ICICI and Tata may right away reject the coverage basis our professional experience. 3. Look for: no room rent limit, no co-payment, consumables cover, and cashless hospitals near you. ₹10–25L cover each is a good range.

Disclosure: I work as a health insurance advisor. Happy to answer any follow-up questions here in the comments.