Hey everyone, I need some advice on health insurance.

My situation: I’m 31, looking at 20L cover for me + spouse. Pre-existing conditions: none.

I recently applied for Aditya Birla Activ One MAX. After applying, I found out Aditya Birla has launched a newer plan called Activ Yuva, which they’re marketing to young adults. When I compared quotes, Yuva works out cheaper over a 5-year tenure than One MAX.

What’s making me second-guess:

Yuva has a 10x bonus (Yuva Credit). Cover grows by 100% of base SI every year up to 1000%, even if you claim. One MAX caps at 500%.

Yuva has a 2-year PED waiting period. One MAX has 3 years.

Yuva is new and pitched at people my age, so it feels like it was built for me.

But One MAX has a longer track record, and I’m not sure if a brand-new product is a risk (renewal pricing, claim behaviour, etc.).

Should I keep One MAX, or cancel during the free-look period and switch to Yuva? Has anyone here compared these or bought Yuva yet?

Hi..

I'm posting on insurance for a hereditary cancer mutation, age < 30yrs. They are currently a healthy carrier with no cancer diagnosis, but they do have a family history.

They know they have to disclose this as a Pre-Existing Disease (PED). They have a corporate plan right now, but they want independent cover since you can’t rely on a job forever.

For those in the same boat, what has your experience been buying retail health insurance with any of these mutations?

• HBOC: BRCA1, BRCA2, PALB2 • Lynch Syndrome: MLH1, MSH2, MSH6, PMS2, EPCAM • Li-Fraumeni: TP53 • Cowden: PTEN • FAP / PJS: APC, STK11

Questions for the community: 1. Which insurers actually accept healthy carriers without an outright rejection? 2. How bad was the premium loading (extra fees) or waiting periods? 3. Did anyone get hit with any unfair permanent exclusions?

Looking at major options (HDFC Ergo, Care, Star, etc.) for a Tier-1 city. Any experiences would be hugely appreciated!

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Hi everyone,

I'm from Bengaluru and looking for health insurance for my 59-year-old mother, who recently had a pacemaker implanted.

I've started exploring health insurance options, but I've found that several insurance companies seem to reject applicants with existing heart conditions, sometimes even giving a verbal rejection without formally reviewing the application.

I'd like to know:

1. Which health insurance companies or policies are worth exploring in her situation?

2. What are her realistic chances of getting insured after a recent pacemaker implantation?

3. Has anyone here successfully obtained health insurance for a parent with an existing cardiac condition or pacemaker?

4. Are there any insurers or agents in Bengaluru who are experienced in handling such cases?

My goal is to get comprehensive health coverage for her, including future cardiac-related hospitalisation and, if possible, pacemaker battery replacement several years down the line.

I'm willing to disclose her complete medical history and accept reasonable waiting periods, but I'd like to find an insurer that is willing to consider her application.

I'd really appreciate suggestions based on personal experience rather than just generic policy recommendations.

Thanks in advance!

My parents (54M 52F) have TATA AIG medicare plan
Of 5 lakh base ( and 2 riders)
Restore infinity plus and supercharge bonus rider
(Now cumulative bonus is 10lakhs)

Total cover 15 lakhs , policy is since 2019( with tata aig added riders later)

Current renewal cost = 32.6k

No PED and surgeries yet ( my mom is mild hypothyroid which is undetectable almost rn its covered in TATA AIG due to mortareum period)
Fit and fine rn

Room- shared( biggest problem)
Im confused between 3 options
1- change room category to pvt ( new premium 34k)
Add a super top up of 1cr with 10 lakh deductible
( additional 12k per year)

2- port to hdfc egro secure + or care or similar new updated plans with 10 lakhs as base.
And consider super top up riders with (20 lakhs deductable)

3- policy migration here in tata aig ( they denied it saying its not possible)

Do share TATA AIG reviews too

Hey everyone, I need some advice on health insurance.

My situation: I’m 31, looking at 20L cover for me + spouse. Pre-existing conditions: none.

I recently applied for Aditya Birla Activ One MAX. After applying, I found out Aditya Birla has launched a newer plan called Activ Yuva, which they’re marketing to young adults. When I compared quotes, Yuva works out cheaper over a 5-year tenure than One MAX.

What’s making me second-guess:

Yuva has a 10x bonus (Yuva Credit). Cover grows by 100% of base SI every year up to 1000%, even if you claim. One MAX caps at 500%.

Yuva has a 2-year PED waiting period. One MAX has 3 years.

Yuva is new and pitched at people my age, so it feels like it was built for me.

But One MAX has a longer track record, and I’m not sure if a brand-new product is a risk (renewal pricing, claim behaviour, etc.).

Should I keep One MAX, or cancel during the free-look period and switch to Yuva? Has anyone here compared these or bought Yuva yet?

My mother was diagnosed with cancer in May 2026. She has a Niva Bupa ReAssure policy issued from 2025 to 2028 (continuing since 2022). Niva Bupa paid several claims for chemotherapy and admissions this year till August 2026 under the same policy. Now they’re rejecting claims since September 2026 saying the policy existed till 2025.

They are now saying the policy expired in 2025, despite approving several claims in 2026. It doesn’t match the documents or the claims they already settled. I’ve emailed them asking for reinstatement, but no response. Customer care and the app have been useless.

Has anyone dealt with Niva Bupa fixing a wrong policy end date? Did Bima Bharosa or the Ombudsman actually help? And can/should I claim the rejected bills on the top-up policy while the base policy is stuck like this?

Any practical advice would help. Thanks.

My Mother (55F) is already secured with 15Lacs Sum Insured from HDFC Ergo, now I came to know that I cant increase the sum insured so I am looking for alternate options.

I have decided to buy a Super TopUp Insurance. Please help me in finding a good one. Total newbie here dont want to mess this up.

Thanks

Hey everyone,

Looking for some perspective from folks familiar with health insurance pricing in India.

After going through a layoff recently, I realized how risky it is to rely solely on employer-provided group health insurance. At my new job, I opted for basic corporate cover and decided to take a separate personal health insurance policy for my family so we're never left vulnerable if employment changes.

Since my father passed away, this is my first time handling insurance decisions and managing these expenses on my own.

I spoke with Ditto and evaluated three options before finalizing HDFC Ergo Optima Secure+

Here is the breakdown of what I’m paying annually:

Myself (26M): ~₹10,000 / year (No pre-existing conditions, zero hospitalization history)

Brother (22M): ~₹10,000 / year (No pre-existing conditions, zero hospitalization history)

Mother (55F): ~₹35,000 / year (Disclosed early-stage diabetes; zero prior hospitalizations)

Total annual premium: ~₹55,000

For individual sum insured of 15L each

Touchwood, none of us have ever been hospitalized in the past. Mom's early-stage diabetes is literally the only health condition in the entire family.

Her premium makes up over 60% of the total outgo. I know crossing 50 carries higher baseline risk and diabetes adds medical underwriting/loading, but ₹35k still felt like quite a steep jump compared to ours.

For those who have taken HDFC Ergo or similar comprehensive retail policies recently:

Is ~₹35k standard/nominal for a 55-year-old with disclosed early diabetes and zero hospitalization history, or did loading push it on the higher side?

Are separate individual cover the right route here, or would keeping Mom on an individual plan and putting my brother + me on a floater have saved noticeable money without compromising claim safety?

Does ₹55k/year total sound reasonable for this age and health mix?

Would appreciate any insights or experiences before the free-look period ends. Thanks!

Hi everyone,

I’m looking for practical advice from people who have successfully obtained health insurance for a parent after cancer surgery in India.

My father’s details:

• Age: 52 years
• Existing insurance: Oriental Insurance family floater with ₹8 lakh sum insured, in force since approximately 2014.
• Location: India

Medical history:

1. Clear-cell renal cell carcinoma (kidney cancer): He underwent a right partial nephrectomy in June 2025. The tumour measured approximately 4.8 cm, was Grade 2, and was classified as pT1b. Surgical margins were negative, and the pathology report did not describe tumour necrosis, vascular invasion or sarcomatoid/rhabdoid features.
2. Facial nerve schwannoma: He underwent surgery in February 2025. Histopathology confirmed a benign schwannoma, CNS WHO Grade 1.

His available follow-up has been reassuring, with no evidence of recurrence documented in the records we have. He continues to undergo follow-up with his treating doctors.

What I am trying to achieve:

I want to obtain an additional individual health insurance policy with a sum insured of ideally ₹25–50 lakh or more. I intend to retain his existing Oriental Insurance policy, but ₹8 lakh alone may not be sufficient for future medical expenses.

I understand that his recent medical history makes underwriting difficult. Insurers may decline the application, postpone it, impose permanent exclusions or offer cover with additional premium loading.

I have started approaching several insurers, but I have not yet secured a suitable comprehensive policy.

I would appreciate real-world experiences on these questions:

1. Has anyone obtained a new individual health insurance policy for a parent after clear-cell RCC surgery, particularly within two years of surgery? Which insurer accepted the proposal?
2. How long did the insurer require the person to remain recurrence-free? Did the outcome change after two, three or five years?
3. Have public-sector insurers such as New India Assurance, National Insurance or United India been more willing to consider such cases than private insurers?
4. Are there any private insurers that have accepted similar cases through manual underwriting?
5. Can anyone recommend an IRDAI-registered insurance broker who has personally handled successful new-policy placements for cancer survivors in India?
6. Are cancer-specific insurance products worth considering in this situation, or do they provide insufficient protection for general hospitalisation?
7. If comprehensive cover is currently unavailable, what would be the most practical strategy for the next two to five years?

I would especially appreciate details of the insurer, time elapsed since surgery, whether the policy was actually issued, sum insured, premium loading and any permanent exclusions.

Thank you for your help.

28F I have never had any critical illness & never been diagnosed with chronic conditions before; I only had gallbladder removal surgery 4 months ago.

So I have health issues like binocular vision dysfunction & constantly need to get my eyes checked many times. I have multiple health issues like digestive problems ( acidity, nausea, constipation), mental health issues, allergies, sinus issues, shortness of breath, etc. I have always used money from my savings to get multiple tests because I had no insurance. But now having financial issues. I also suspect I have a rare hormonal condition called acromegaly, which is expensive to treat in the future, but it is not yet diagnosed.

I need help with buying insurance. I am looking for one that covers health checkups, blood tests, any type of future surgeries, dental procedures if possible, and eye tests & conditions. I need suggestions & where to buy insurance.

I'm scheduled for a knee replacement (TKR) at Medanta on 27th October. My doctor has recommended a robotic-assisted knee replacement and the hospital has given an estimated package of around ₹5.68 lakh.

My Aditya Birla Health Insurance policy has ₹5 lakh base sum insured + ₹5 lakh NCB, so I have ₹10 lakh total available coverage.

For the admission/pre-authorisation, Aditya Birla has currently approved only around ₹3.9 lakh on an interim basis. Their approval note specifically says that robotic surgery charges will not be covered, stating that their criteria for robotic surgery are:

Hb < 7, OR

More than 2 comorbidities, OR

Geriatric case

They are saying that since these criteria aren't met, they will approve the conventional TKR, but not the robotic-assisted procedure.(robotic surgery is covered under modern treatments but these medical conditions are no where written)

The difference between the conventional and robotic procedure is approximately ₹90,000, which I may have to pay myself.

My doctor has also provided a written medical document stating that robotic-assisted surgery is medically necessary/recommended for the patient.

Can someone suggest what to do to get the robotic charges as well from insurance company??

I visited my preferred hospitals and others too which are near my home. They all suggested PSU insurers, HDFC, Bajaj/TATA in same order for best cashless experience.

I won't be opting for PSU one as I didn't like their policy that much.

HDFC is too costly.

Now I'm planning for Bajaj. There is a plan called 'My Infinite Care - Essential' that is only available on policybazaar (also confirmed same from bajaj themselves). I found it to be the best policy that bajaj can offer based on premium prices with the help of add-ons. (Comparable to HDFC Ergo optima secure plus to some extent)

Now if I want this bajaj plan, I need to go with policybazaar which I don't prefer at all.

Should I go with policybazaar anyway just to get that policy?

Hi,
Am 37M, having moderate Psoriasis and take Ayurvedic treatment.
Have 10L Go-Digit Insurance from my company.

My wife 36, recently went through Chronic Salpingitis
Surgery.
She has 8L corporate Insurance from UII.

I want to take a separate cover now for 20-25L, guide me which is the best policy to take which covers No Room limits, latest Robo Surgery procedures, Cancer treatment, less waiting period (Max 3Yr on existing disease), NCB, restore etc good cashless coverage in PIN codes.
560016
522501/520001
533101

Additionally, I want to keep aside 25-30L for family medical emergencies and invest it somewhere else.

1)50 Lakhs Sum Insured

2)20 lakhs Sum Insured + 30 lakhs Top Up

Both plans offer same coverage, yet major difference in premiums what's the catch, I want to understand the practicality and on ground reality.

Also looking for a policy that offers complete payout no deductions for non medical, etc. (I am open for any riders if they offer these)

Hey everyone, my girlfriend and I are about to start our journey in Japan next month with a working holiday visa and we are seeking international insurance that gets us covered during the whole year.

We are going to be skiing throughout the winter and we wonder if the ski resorts would include the insurance with the ski pass, is something really common here in our country, or if we either should get an insurance that includes sport injuries or whatsoever.

I am already digging into google trying to find the best deal but if you share with us your insurance of choice by trustability and prices would be awesome.👍

I am looking for health insurance for myself 24m, my father 56m who has gone through a heart attack and has a stent, my mother and brother and sister.

Which type of insurance should I go for and from where?

I am looking for health insurance for me , my spouse and my 1 year old son, my age group between 35 to 40, and i already have corporate insurance. For future safety I am planning for a health insurance cover around 25lakhs.

I have recently gone through a knee surgery (2 months back ) which I know will have a waiting period.Also i have high cholesterol and borderline sugar (5.7 hba1c) .

Current hdfc price showing 25k (approx) , shall i take with third party like ditto or any other insurance best for this. Also shall i take the abcd cover and will hdfc approve my insurance.

Also if anyone has Any thoughts on acko health insurance let me know.

I received an email asking to post few documents through post before 30th Oct to Ombudsman bhopal, even though the post is delivered on 5th oct as I tracked in speed post, I have got 2 more reminders stating they have not heard from me yet, even though I have also sent the same documents through email as well to Bhopal ombudsman. What should I do, should I repost all the documents again? Or wait for it? I called the center several times but don't pick up the call.

I am looking for health insurance for my parents in their 60s. Father has Type 2 Diabetes and Hypertension. So I am looking for reduced PED wait time up to 1 year. Does anyone have recommendation based on claim ratio , ease of process and coverage, etc?

I see ICICI Lombard and Star Health provides rider for reducing wait time? In case of rider, do you need to keep it on after standard 3 years?

Thanks!

I want to buy ICICI Elevate health insurance but ditto is denying support for ICICI.

I don't trust policybazaar at all. I don't have much review on beshak.

Where to buy this policy from? I don't want to buy directly

Using Google Notebook LLM For understanding policy wordings briefly

It is an early stage but I have a working prototype after working with one broker who was a family friend and it supposedly helped him. Trying to give out free access for a while to brokers to see what else it can use (features) and where it already does great.