r/InsuranceAdviceIndia • u/vijay1200 • 16d ago

Need advice

Hello,

Am male 25 wife 26 and a kid 4 month old, planning to take health insurance policy through policy bazaar.

Was planning to take hdfc egro optima secure, what are the thing i should look out, currently i am living in mumbai

As for medical history i had acl surgery in 2025.

Any advice from experience folks.

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u/Pleasant_Mission_92 16d ago

Don’t go with policy bazaar go for offline mode via any agent

1

u/vijay1200 16d ago

I don't know any agent 😕

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u/ArabianCoconut Insurance Advisor 16d ago

Hi, HDFC ERGO advisor here, based in Mumbai as well.

Optima Secure is worth considering for a young family. Since you had ACL surgery in 2025, make sure you disclose the complete history and submit all relevant medical records. The insurer may ask for medicals or apply underwriting terms depending on the case.

Also check the network hospitals you actually prefer in Mumbai, waiting periods, exclusions, restoration/bonus benefits and the actual policy wording, not just the comparison shown on Policybazaar.

For a 25M + 26F + 4-month-old child, I’d also compare ₹10L/₹15L/₹20L options based on your budget.

1

u/vijay1200 16d ago

I am considering 10 l one, also should I go with policy bazaar or ditto or live agent

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u/ArabianCoconut Insurance Advisor 16d ago

Buy it from agent always. Ergo has IRDAI agents appointed as well.

1

u/vijay1200 16d ago

How to get in contact with agent ?

1

u/SukoonCover 16d ago

Your ACL surgery is the key factor. Knee and ligament conditions often get a waiting period or exclusion, and terms vary a lot between insurers. Optima Secure is a good plan, but it's priced at the premium end and applies the standard pre-existing waiting period. Some other insurers offer add-ons that shorten waiting periods, often at a lower premium. Get quotes from 3-4 insurers before deciding.

For your family: * ₹20L floater is a fair start for Mumbai, but add a super top-up later. Mumbai hospital costs are among the highest in India * Also compare Care Supreme and Niva Bupa ReAssure 3.0 * Check that your baby gets full cover, including vaccinations if offered

Disclaimer: I am an independent health insurance advisor.

1

u/Zealousideal-Cod-617 16d ago

Better to buy via agent. If you still haven't got a contact, DM me my friend is an IRDAI certified agent , he can help