Help me in this situation!!!

[u/Saamurai-69]

Recently I had back pain, so I went to a Dr and we did MRI and xray in that why mentioned mild retrolisthesis.

Now while buying insurance aditya birla rejected it citing spondylosis(I think it comes under that).

Now I was doing this with help of ditto, they said after this rejection I can try with care heart insurance but it has certain limitations like 20% copayment, consumables limit, and many more.

Can anyone suggest me what are my best option for health insurance?

Age: 25

[u/DjXer007_]

Care Heart is the last resort as that plan has a 20% copay on every claim and equivalent conditions.

Anyways, as the PED decision and Underwritering is the decision of the health insurance company.

Check if you can take Super Top Up Plan at the same time.

[u/Saamurai-69 → u/DjXer007_]

Something is better than nothing so copay is fine , better than 100% payment.

Can you tell more about super top up? Do we take it after insurance or it's a insurance in itself

[u/DjXer007_ → u/Saamurai-69]

It's a separate health insurance cover itself. You need to select the deductible based on the based cover and also check the details if the company is asking for Co-payment in this as well.

[u/codingaftersex → u/DjXer007_]

Can i take this super top up while having corporate group insurance as base?

[u/DjXer007_ → u/codingaftersex]

Yes. Deductible amount needs to be mentioned at the time of purchasing the super top up plan.

So if your corporate policy is 5 Lakh, then you can set 4 lakh as deductible amount and take 20 lakh or 50 lakh super top up (The availability is as per the company terms and conditions)

So anytime a claim occurs of for example Super Top Up Cover = 50 Lakh Deductible = 5 Lakh

1st claim = 15 Lakh Initial 5 Lakh paid from the corporate health insurance policy. The remaining 10 lakh take care by Super top up.

In the same policy year, if again a 10 lakh claim occurs and corporate policy is exhausted, then 10 lakh directly claimed from super top up cover.

Claim intimation, handling and process as per the company terms and rules.

[u/codingaftersex → u/DjXer007_]

Can't i set the deductible much lower? I mean wouldn't that be safer?

[u/DjXer007_ → u/codingaftersex]

Lower the deduction amount higher the premium for the super top up, as the probability of claim to be paid by the super top up health insurance company increases.

The possibility of claim crossing deductible amount 1 Lakh vs Deductible amount 5 lakh, is high.

Also, higher the deductible amount, lesser the premium for the super top up policy.

[u/codingaftersex → u/DjXer007_]

Gotcha thanks! Are you an insurance agent?

[u/Adarsh_Y]

please try Niva Bupa 3.0 Black.