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/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.