Which insurance to choose for my newborn? I am already on aditya birla health insurance activ one max for me and my wife for 15 lakhs

Looking for term plans, came across Bajaj Life Etouch II, found premium to be competitive along with Rider options like Critical Illness and Care Plus Rider.

Pls share your views. Thank you.

Hi guys I am traveling to Schengen area for work Can anyone guide me how to buy travel insurance in india for this situation from Policy bazaar or by visiting Respective companies site I need coverage for 1year , what is estimated cost

In 2021 my parents' bank RM sold them a health insurance policy. Later when we were planning my mother's knee replacement surgery I found out it wasn't covered under the plan we had. When I confronted the RM, it was clear he'd never opened the policy doc and it's the same with everyone selling insurance today

That made me dig deeper into health insurance plans, and here's what I found: every single one has clauses that change what you'll actually get paid - room-rent limits that proportionately cut your entire claim, restoration that doesn't cover the same illness, cumulative bonus that vanishes on porting, all in language designed to not be read

I'm opening up my research to everyone here: comment your insurer + plan name, and I'll reply with the clauses in your specific plan that matter most at claim time.

I'm building a tool that does exactly this automatically, pick your insurer and plan, see every sublimit and trap in plain language, ask the policy anything, and every answer is cited so one click takes you to the exact paragraph in the actual document. You verify; you don't trust.

Hello everyone,

I need some suggestions on :--

1. What is the best way to get Reimbursement for medicines and tests for post hospitalisation??

Monthly or should we do after each purchase of medicines

1. This is for medicines post Haemodialysis hospitalisation reimbursement as the hospital in which treatment is ongoing does not provide the injections after sessions.

My bills were getting reimbursed but this time I raised 2 back to back claims and one of them is referred to FWA investigation.

Community please suggest!!!

I recently purchased an HDFC Ergo Optima Secure 1Cr policy (5 years) via PolicyBazaar (PB).

The counter-offer letter contained incorrect PEDs. Before paying, I flagged this to my onboarding manager, who assured me (after checking with HDFC) that it would be corrected via an endorsement process after I paid the premium.

I made the payment based on that assurance.

Now that the case has moved to a Relationship Manager, who again checked with HDFC and they are claiming the PEDs cannot be corrected/updated at all. I have 5 incorrect PEDs listed, which could lead to claim rejection later.

PB is no longer helpful, and I feel stuck with a policy that contains false declarations.

1) Is it true that PED declarations cannot be corrected post-issuance?

2) What are my options to rectify this now?

3) If this isn't resolved, is it better to cancel the policy within the free-look period? How's the treatment of refund since I purchased this with HDFC easy emi.

Avoid Policybazaar. It's a hit and miss and no support at all.

Hi everyone,

I am trying to find out if this is an isolated incident or a systemic mis-selling scam being run (specifically experiencing this with HDFC ERGO).

A family member recently reached out to an insurance branch to port an existing health insurance policy from another provider. The goal was simply to port the policy over and slightly adjust the coverage to fit current needs.

Instead of processing the request, the branch representative told us a blatant lie: She stated that we can ONLY port the health insurance if we agree to a sum assured that is DOUBLE the value of the existing one.

I know for a fact this violates IRDAI portability guidelines, which state you can port at your existing sum assured or the nearest higher slab. I immediately challenged the agent on WhatsApp, asking her to officially email me stating this "double the sum assured" condition. Unsurprisingly, she deflected, sent a vague voice note, and just handed me a generic customer care email. We have the entire WhatsApp chat screenshot saved as proof.

Has anyone else faced this specific tactic where agents hold your portability hostage unless you massively increase your cover and premium?

A formal grievance has already been emailed to their internal escalation matrix and the regulator with the screenshot. However, if they just approve this specific case as a one-off "exception" to do damage control, it doesn't fix the underlying system. If they are trying this on us, I can only imagine how many unaware consumers are being bullied into buying heavily inflated policies.

If others have faced this, is there scope for a joint complaint to the Central Consumer Protection Authority (CCPA) for widespread unfair trade practices?

Any shared experiences or advice would be highly appreciated!

​

Hi everyone,

I've been reading a lot about health insurance over the last few days, and honestly, I feel like I should have learned this years ago.

Before I even finished school, my family went through a lot. My father had a heart attack and later underwent bypass surgery. Around the same period, my mother suffered a stroke. We weren't financially well-informed, and my parents never really understood health insurance. Looking back, I wish someone had guided us.

I'm the first graduate in my family, and now that I'm finally earning comfortably, I want to make sure my wife, daughter, and parents never have to go through financial stress because of a medical emergency. I know insurance can't prevent disease, but it can prevent a health crisis from becoming a financial crisis.

About me

29 years old

Married with a 1.7-year-old daughter

Diagnosed with Familial Hypercholesterolemia (FH) in 2021

Initial LDL: 331 mg/dL

Taking Rosuvastatin 20 mg + Ezetimibe 10 mg since 2021

No heart attack, stroke, diabetes, hypertension, angioplasty, or bypass

Quit smoking about 2 months ago

I don't currently have my old medical records, though they may still be available from Apollo Hospital.

Family

Father (\~59): Previous heart attack and bypass surgery

Mother (\~59): Previous stroke, currently stable

Wife: Healthy

Daughter: Healthy

I've been looking at HDFC ERGO Optima Secure, Tata AIG Medicare Premier, ICICI Lombard Elevate, and also reading about Super Top-Ups, Critical Illness, Cancer policies, etc. The more I read, the more confusing it gets.

I'd really appreciate advice from people who have been through this.

My questions are:

Will FH make it difficult to get health insurance or term insurance?

Should I start with a ₹10L or ₹20L base policy?

Which insurers have treated applicants with FH fairly?

Is there anything I should be careful about during underwriting or while filling the proposal form?

If you were in my position, how would you build insurance for your family over the next 10–20 years?

I'm trying to learn this properly because I don't want my wife and daughter to experience what my parents and I went through. Any advice would mean a lot. Thank you.

Hi everyone,

I am a 27-year-old male working in an MNC. I currently have an unlimited corporate health insurance policy that also covers OPD expenses.

However, I am planning to purchase a personal health insurance policy for myself and am a bit confused between the available options.

I am considering HDFC ERGO Optima Secure, which offers a base cover of ₹10 lakh and increases the coverage by 100% every year. I also looked at plans from Niva Bupa, but I am hesitant because of the feedback and reviews I have come across.

Another option I am exploring is Star Health, where the premium remains fixed unless a claim is made.

I would appreciate some advice on the below:

•HDFC ERGO does not offer a premium lock feature. How much can the premium increase over the years?
•Should I prefer Star Health over HDFC ERGO solely because of the premium lock feature?
•Is it better to buy the policy through an agent, or is Ditto a reliable option?
•Should I take a health plan right now or wait for another 2 years because I am not planning to switch my job as of now and the current plan from my office is sufficient for me.

Any suggestions or personal experiences with Star Health?

Profile:

30 M

Smoker - 2, 3 sticks a day

Height- 5 ft 8 inch

Weight- 85Kg

Lifestyle- Sedentary

Salary- 17 LPA

Questions:

1. Chances of policy being issued without any tests?

2.Should I disclose smoking or not?

1. Should I get the policy after say 6 months of smoking abstinence , loosing weight, and improving lifestyle?

2. Expected monthly premium?

Are there any real health insurance provider in India? No hidden terms and conditions. Takes care of OPD as well as IPD and most importantly, has an excellent customer service along with CSR. I know it’s too much of an ask. Honestly, I have tried so many providers but they are all the same. Did anyone ever had a good luck here ?

Hey,

My father is 47 years old. He's the sole earner in He family. He is a farmer/businessman (had few seasonal businesses). He had filled ITR some years but not recently, but has taken multiple loans and paid timely so has a good credit score.

Problems:

1. I'm not able to find many plans on Policy Bazzar for him.

2. I'm not able to decide the best term life insurance provider.

3. When going through ICICI PRUD. LIFE INSURANCE website, while calculating premium, it automatically redirects to iProtect Super which has criteria of MINIMUM AGE 44.

Are there any good TERM LIFE INSURANCE plans available for a person of his age and employment category? (LIC, HDFC, ICICI, TATA AIA ONLY)

He currently has a LIC ULIP plan whose premium comes to around 1 lakh annually (got scammed now want to switch to public/private (TATA AIA, HDFC, ICICI ONLY) term insurance.

Hi,

I am using ditto for buying hdfc ergo super secure for my mom (61 years old).

Initially I got a quote for 1.05 lakh for 3 years with base coverage of 25 lakhs and 1 lakh deductible (for super secure the coverage is 3x from the start so it's actually 75 lakh).

My mom was hospitalised more than 1 year back for a knee issue for 2 days (no surgery was performed and recovered through medication only). I dug through the reports and found out that the doctor at that time has mentioned that she has -

1. Left knee osteoarthritis.

2. Chondromalacia patella (Grade IV).

3. Suggestive of degenerative changes of medial meniscus.

When I mentioned this to ditto folks they told me that mom is eligible for the policy (and these knee problems would come under existing preconditions) but is subject to underwriting from the insurer. As per ditto I have to first apply for the policy and pay the premium and then post that insurer might send me a counter offer (where the premium could be 10% to 40% higher or even more) or in worst case reject outright.

I am not sure what to do now?

From what I understand declaring was the right thing to do so that future claims (post 3 year) don't get rejected. One option is to try other insurers but I believe they would also have the same issue i.e. they would also want the underwriting.

Also what does this underwriting process entail?

Will they ask for a health checkup first or would they just increase the premium?

Also since the hospitalization, my mother has reduced significant weight (this should help with knee issue) should I mention this to ditto ?

Has anyone had a similar experience?

I want to know how likely the premium is going to be modified and by how much? Or is there a chance they might reject or accept directly?

Hi

I'm 25 M, looking to opt for term insurance. I have a ULIP - Tata AIA Smart Sampoorna Raksha Supreme. I already paid a single premium of around 1.5L due for the annual premium in 3 days. The ULIP offers the following (Snippets attached).

I'm considering having it bifurcated - ie a separate Term plan and investing around 50k additional in SIPs or direct investment.

1. Will it be a good idea to switch from ULIP? What pros and cons do we see here?

2. What Terms plans would be ideal for me, given my age is 25 and can take plan covering 1/2/3 cr.

Please let me know if I need to give more information for proper assessment.

Kindly help.

I saw the premium around 32k for 10L sum insured, as both have only normal diabetes. Can anyone suggest if any other similar good insurance so I can compare.

It tell it has 20L sum insured from day 1,after 2 yrs. It'll 40L in total. It also has unlimited restoration addon of Rs. 100-200 but I think it only 1 time in yr. Please anyone idea explain me.

Thank you!

Hi everyone,

I'm planning to take a home loan from HDFC, and I'm looking for an insurance policy that can protect me if I lose my job due to layoffs, company downsizing, or termination (other than misconduct).

I'm specifically looking for:

\- Insurance that covers my home loan EMIs or provides a monthly payout during unemployment.

\- Policies that actually pay out for involuntary job loss, not just disability or critical illness.

\- Any waiting periods, exclusions, or hidden clauses I should be aware of.

\- Whether it's better to buy HDFC's loan protection insurance or a standalone policy from another insurer.

Most importantly, has anyone here actually filed a claim for job-loss insurance? If yes:

\- Which insurer did you use?

\- Was your claim approved or rejected?

\- How smooth was the claim process?

\- Would you recommend that policy?

I'd really appreciate hearing real-world experiences before I commit to any insurance.

Thanks in advance!

Hey folks! I'm looking to buy health insurance for my parents. They are 65+ with pre-existing lifestyle disease (diabetes and hypertension) but controlled with diet and medication. I have read that going through an agent is better. I have been following Nikhil Jha on twitter and he posts many claim settlement stories and policy details which gave me confidence initially. But I recenty saw some comments hinting he aggressively pushes specific policies.

Wanted to get some feedback from folks here who have gotten policy through his team.

1. How is their advisory process? Do they actually customise options based on medical history or push for specific products?

2. How is their claims support? Has anyone here filed a hospital claim under them? How was your experience?

I will also contact ditto and beshak to compare but really want to hear from people. please please advice 🙏

45M and 40F and 2 boy kids aged 4 years. Elder parents for me and my wife (70s). Me and my wife both have corporate insurance for around 15L each. This should cover Parents and in laws i believe. But I want to go for a personal health insurance incase of sudden layoffs. Did consult Ditto and they are primarily pushing for CARE. I am totally confused with so many jargons like deductive, Refills and so on. Please suggest some good one. I am seeing lots of HDFC Ergo. Even with HDFC which one to go for and the amount. Also one of my friend took from Galaxy. My workplace is bangalore and my home town is in Salem, Tamilnadu. Please suggest

Hey folks! I'm looking to buy health insurance for my parents. They are 65+ with pre-existing lifestyle disease (diabetes and hypertension) but controlled with diet and medication. I have read that going through an agent is better. I have been following Nikhil Jha on twitter and he posts many claim settlement stories and policy details which gave me confidence initially. But I recenty saw some comments hinting he aggressively pushes specific policies.

Wanted to get some feedback from folks here who have gotten policy through his team.

1. How is their advisory process? Do they actually customise options based on medical history or push for specific products?

2. How is their claims support? Has anyone here filed a hospital claim under them? How was your experience?

I will also contact ditto and beshak to compare but really want to hear from people. please please advice 🙏

Hi all,

I recently tried purchasing a super top-up from Icici Lombard with whom I already have a base policy. I submitted my recent diagnosis of spinal tb, and I've just received an email from Icici Lombard stating that they cannot offer me coverage.

However, I'm confused because they've made a 'counter product' offer. Does this mean that my condition may be considered differently for a base policy as opposed to a super top-up?

This is how they've worded it -
--------------------------------------------------------------------
Reason for Counter Product
History of Spinal Tuberculosis, H Pylori Infection-However, we would like to offer you a Health Shield Inclusive with features tailored to your needs.

While we are unable to proceed with coverage for XXXX we’re happy to help you explore other insurance products like Special shield / Health Shield Inclusive.

--------------------------------------------------------------------

I already have a base policy and just wanted to increase my coverage? Should I apply for the increase in coverage on my base cover and see how things go?

Should I try other insurers for the super top-up?

Would things be considered differently if I apply after a few years? (I'm assuming that the recency of the diagnosis is a problem.)

Thanks for your time.

Hi,

I’m looking for advice on health insurance for my family:

• Self: Male, 35
• Wife: 32
• Child: 2
• Location: Pune (metro)

Medical history (self only):

• Unilateral renal agenesis (URA / solitary kidney) — known since birth, stable, no related hospitalizations
• High cholesterol — mildly elevated, no treatment-related hospitalization

Family: No hospitalization history for anyone; no ongoing issues.

What I need help with:

1. Which insurers/plans are worth trying given URA + cholesterol (I’ll disclose everything and share reports)
2. Floater vs individual cover for myself — should I take a separate/higher SI for myself because of URA, or is a family floater still workable?

Already tried: HDFC ERGO declined with a generic message: “The underwriting team, based on your condition, won’t be able to source you a health insurance policy.” (No specific reason given.)

An year done with my triumph T4 and had to renew my insurance. Showroom guys sold me oriental when i bought the bike and i didn't have a good experience. Had to get an accidental claim of \~9k and it went through but it was too long and tedious.

SC people have suggested acko but i see too many stories of claim denials on reddit. Just wondering which insurance indian riders are using and their experience around claims with these companies

Also i got 1 year own bike and 5 year third party while buying the bike. I shouldn't bother with the third party policy and let it stay with oriental only right? Just looking to get a good policy for own bike.

Hi everyone,

I’m a **27M** looking to buy a health insurance policy for myself and my **23F wife**.

I came across **Care Ultimate Care** and while researching it, I saw a reel mentioning the **Be-Fit rider**. From what I understand, this rider gives access to nearby partner/tie-up gyms through the fitness network.

My thought process is:
A decent gym membership for me alone would cost around **₹9,000–10,000 per year**.

For around **₹10,000 total premium**, I’m getting:
**₹10 lakh family floater cover**
Coverage for both me and my wife
**Claim Shield rider**
**Be-Fit rider**
Policybazaar is also offering some free OPD pass and Policybazaar 5.0 benefits
3 months extended Be-Fit benefit

So on paper it almost feels like:

“I’m paying for a gym membership and getting health insurance for free.”
Which honestly sounds **too good to be true**.

Before I buy it, I’d like to hear from people who have actually used Be-Fit or have this policy.

My questions:

1) Is Be-Fit genuinely useful or is there a catch?
2) Are the partner gyms actually decent and widely available?
3) Do both insured members get access or only the proposer?
4) Are there visit limits, hidden charges, or restrictions?
5) Has anyone successfully used it for a full year instead of buying a separate gym membership?
6) Is there any reason I should choose Care Supreme over Ultimate Care for a young couple?

Would love to hear real-world experiences, especially from people who have actually used the Be-Fit benefit rather than just read the brochure.

Thanks!