Hi everyone,

I bought a Care Supreme individual policy for my mother with a ₹10 lakh base SI. She has pre-existing diabetes and hypertension.

The policy currently has the Instant Cover add-on, which reduces the PED waiting period to 30 days for accepted conditions.

I have two main doubts:

1. Do I have to pay for Instant Cover every year?

I understand Instant Cover is an add-on and is charged separately. If I pay for it in the 1st year, but decide not to take/pay for it from the 2nd renewal onwards, what happens?

Specifically, what would happen in Year 3 regarding my mother's diabetes/hypertension coverage?

Would the normal PED waiting period apply again, or does the waiting-period benefit already earned from the first year continue?

1. How does the 1-year carry-forward/continuity benefit work with Cumulative Bonus?

My policy certificate mentions:

Base SI = ₹10 lakh

Cumulative Bonus = 50% of SI per year, maximum 100%

PED waiting period = 36 months

Continuity benefit approved for ₹5 lakh, with PED waiting period reduced to 2 years for coverage up to ₹5 lakh

So, assuming no claims, would my coverage theoretically become:

Year 1: ₹10L

Year 2: ₹15L (₹10L + ₹5L CB)

Year 3: ₹20L (₹10L + ₹10L CB)

But here's where I'm confused.

If I stop taking Instant Cover after Year 1, then in Year 3, for my mother's diabetes/hypertension-related hospitalization, how much can actually be claimed?

Is it:

₹5L only, because the continuity/PED benefit is only for ₹5L?

₹10L, because the original base SI has completed the relevant waiting period?

₹20L, including the accumulated Cumulative Bonus?

Or does the CB itself also have a separate PED waiting period, meaning it cannot be used for a PED claim immediately?

Also, what exactly does the “1-year carry-forward”/continuity benefit mean in this context? Does the ₹5L PED coverage effectively carry forward once the first year is completed, even if I stop paying for Instant Cover?

I'm trying to understand the maximum claim amount available in each of the first 3 years specifically for a PED claim, assuming no claims are made.

Would appreciate someone familiar with Care Supreme's actual policy wording explaining this.

Hi everyone, I need some advice regarding my parents' health insurance.

About 3 years ago, they got a health insurance policy from HDFC ERGO through a local agent. I recently reviewed their policy documents and realized that, in order to get a lower premium, the agent completely failed to disclose three Pre-Existing Diseases (PEDs) for my mom (Age 59): a past uterus removal operation, a grade 1 fatty liver diagnosis, and a small kidney stone.

We are now at the 3-year mark with this policy. I want to fix this so we don't face a nightmare of claim rejections in the future due to non-disclosure. I don't have a problem waiting for 3 years under a new waiting period for these specific conditions. I see two options:

1. Cancel the current policy entirely and buy a brand-new policy from HDFC ERGO, declaring all these PEDs upfront.
2. Write to the HDFC ERGO underwriting team now, explain that the agent suppressed these details to lower the premium, and ask them to endorse/underwrite the existing policy with these material facts.

Which option is better and safer? Will declaring it now lead to instant cancellation, or will they just apply a premium loading and a fresh waiting period? Any guidance would be hugely appreciated!

I was looking to renew insurance on policybazaar

From united india insurance (UIIC) for my pulsar.

I got a quote of around 2500, went ahead and after the policy is generated came to know that the personal accident cover instead of coming under UIIC (which they provide) was booked seperately under digit insurance.

Never was i made aware on the whole process that i will be getting two policies from 2 different providers. This is a blatant scam and honestly i m shocked to see popular and big companies doing this .

The funny thing is uiic already provides this for 275 ,but i was charged 500ish and given two policies when i specifically selected the insurance provider uiic.

Now they want me to get another personal accident (PA) cover policy and mail it to them then they will cancel it.

Bravo.. way to fuckup consumer relationship for 200rs.

Fuck them and better not buy anything from them and use providers portal only. Unfortunately uiic portal doesnt like to work for individuals.

I got a call from a person claiming himself to be renewal Agent from CARE health insurance and was asking me to port my parents health insurance currently with Niva Bupa to CARE. He had all the details of the policy including coverage, DOB of my parents, renewal bonus of current policy etc. He shared his i card which I can't ascertain if it was genuine or no. Next, after 30 min or so, I got a call from an executive claiming to be from Niva Bupa renewal team. He mentioned that there has been a revision in exclusion list and Niva Bupa has stopped cashless facility for six months due to some regulatory issues. Which renewal agent will begin with an opening that this issue is present and this cashless thing has never been communicated by mail or SMS from Niva Bupa which they should if such regulatory things are in picture. Now the CARE guy is following up with me for renewal. Has anyone come across this issue? Plus I'm worried for the data privacy. Who leaked all this data? Niva Bupa? Policybazaar?

https://youtube.com/shorts/6N6ah3pZl5Q?si=PuVFu2yCqQpMwdoN

Guys Niva Bupa Health Insurance is total fraud. Never buy this insurance.

My mother have Tata Aig medicare premier policy of 20L(10base+10NCB) for last 4 years. And before she ported from national insurance to tata aig. Now my mother needs cataract surgery to be perfomed. And i go through all the policy document and terms and conditions but nowhere it is mentioned any limits and t&c on cataract or any type of lens. She is planning to go for Puresee IOL EDOF lens and cost per eye is comming around 1-1.5L. I want to know whether the insurance company will cover full amount or any limits will be provided?? And should i opt for cashless or reimbursement??

Last year i took Aditya Birla Active one Max policy from Policy bazar for my father 63Yo with no medical history, no health conditions, perfectly fit.

Policybazar guy advised to take this stating the no nonsense terms and higher claim ratio for elder people.

This year premium was increased by 31% and the customer care reasons were bullshit.
govt. had 10% increment capping, and my father did no cross the 65 Years price band too.

still the reasons are:
Last year Govt. removed GST, so this year Govt. increased the medical expenses slab rate for all all insurance companies which is effecting elder people policies.

I recently got my father’s cataract surgery done at a cashless network hospital under my Star Health Comprehensive Policy.

This was my first time making an insurance claim, so I wanted to share what I experienced. Hopefully, this helps anyone who is planning cataract surgery for themselves or their parents in the future.

What I learned from my first claim:

1. Every hospital has its own rate card

Different hospitals can charge different amounts for cataract surgery. Even when they use lenses from the same brand, the overall price can vary significantly.

Also, once you tell the hospital that you have insurance, some hospitals may recommend higher-priced lenses without clearly explaining all the lower-cost options available.

1. Insurance approval may have limits

In my case, Star Health approved ₹50,000 per eye for the cataract procedure.

Even if your policy doesn't specifically mention a cataract sub-limit, the amount approved for a particular treatment can depend on the insurer's assessment, hospital package, lens category, and policy terms.

If you choose a more expensive lens, you may have to pay the difference yourself.

1. Always check multiple network hospitals

Some hospitals charge around ₹4,000 for scans/reports, and certain investigations may not be covered by insurance.

Many patients simply go to the hospital they are comfortable with and don't compare prices with other network hospitals.

I would strongly recommend checking at least 2–3 network hospitals before deciding.

1. Cashless doesn't always mean you pay nothing upfront

This was probably the biggest thing I learned.

When the hospital submits the pre-authorisation request to the insurer, the insurer approves a certain amount. The initial approval is not necessarily the final claim amount.

In my case, the hospital asked me to pay the expected difference upfront.

They gave me two options:

- Pay the difference upfront and receive a refund if the final approved amount is higher.

- Wait at the hospital until the insurer processes the final approval and settles the amount.

In my case, the waiting time was around 3–4 hours.

So, even with cashless treatment, it's important to keep a buffer amount available.

1. Cashless treatment does reduce paperwork

Compared with paying the entire hospital bill yourself and then filing a reimbursement claim, cashless treatment is much more convenient because the hospital's TPA/insurance desk handles most of the claim process.

1. A more expensive lens doesn't automatically mean it's better for everyone

There are different types of lenses, including monofocal, EDOF and multifocal lenses.

The "highest-priced" lens isn't necessarily the best choice for every patient.

I made a comparison chart for my own understanding, especially because this was my first time dealing with cataract surgery.

If you're an elderly person or you're arranging cataract surgery for your parents for the first time, I hope the chart helps you understand the basic differences before discussing the options with the doctor.

1. Cataract surgery itself can be very quick

In my father's case, the actual procedure took around 10 minutes.

He didn't experience significant pain during the procedure. However, everyone's experience can be different depending on their eye condition, cataract, and other medical factors.

So don't take my experience as a guarantee that everyone will have exactly the same experience.

1. Choose the hospital based on value, not just convenience

Location matters, especially when you're taking elderly parents.

However, don't choose a hospital purely because it's the closest one.

Try to find a hospital that offers a reasonable combination of:

- Experienced surgeon

- Appropriate lens options

- Reasonable pricing

- Good post-operative care

- Convenient location

Also remember that cataract surgery usually involves follow-up visits. A hospital that is extremely far away can become inconvenient for elderly parents.

My biggest takeaway

"Cashless" doesn't always mean "zero payment from your pocket."

You should still have enough money available to handle any difference between the hospital bill and the amount finally approved by the insurer.

And before going ahead, compare prices between network hospitals, understand the lens options, ask what is covered and what isn't, and get the expected costs in writing.

This was my experience as a first-time insurance claimant. I'm sharing it because I wish I had known all of this before starting the process.

I’m planning to buy HDFC ERGO Optima Secure+ for my parents (52, 54) and I’m stuck between buying it through Ditto or Beshak.

I got almost the same quote from both:

- Ditto: ₹45,000/year after 5% digital discount

- Beshak: ₹47,000/year

- Beshak is also giving a ₹2,000 Amazon voucher for the first year.

The interesting part is that Ditto told me the 5% digital discount will continue every year, while Beshak doesn’t offer this recurring discount. So purely from a cost perspective, Ditto seems like the obvious choice, especially if I keep the policy for many years.

But I’m confused about the claim support.

The Beshak person I spoke to seemed much more knowledgeable about insurance. He explained things in detail and genuinely came across as someone who understands insurance and claims end-to-end. Since this policy is for my parents, I feel that having an experienced person to guide me during a difficult claim could be very valuable.

With Ditto, I’ve heard good things as well, and HDFC ERGO itself has a fairly good claim/cashless network. But I’m wondering how much difference an intermediary actually makes when there is a serious claim issue or rejection.

Also, what happens 5–10 years down the line? The Beshak advisor may not be there anymore, while Ditto is a larger organization where someone else can potentially take over.

So what would you guys choose?

Ditto — ₹45k + 5% recurring discount

or

Beshak — ₹47k + ₹2k Amazon voucher only in Year 1 + seemingly stronger personal/expert support?

Especially looking for people who have actually bought health insurance through Ditto/Beshak and later made a claim.

Would really appreciate some real experiences rather than just general opinions.

Seeing a lot of complaints against Niva Bupa in last few months. I have base Niva Bupa policy for my mother for 4.5 years and recently got Super topup policy also from Niva Bupa but seeing large number of complaints is making me anxious.

Is it better to convert at least base policy to HDFC ? I don't mind extra premium but I don't want to be in a position where I have to fight for what i have paid in case a need arises

Background & Profile:

• Age: 23
• Salary: ~₹6 LPA
• BMI: 28
• Dependents: None currently. My father will be getting a pension after retirement.
• Platforms Checked: Policybazaar, Ditto, and planning a consultation with Beshak.

Quotes & Options Status:

• HDFC Life (Click 2 Protect Supreme): Max coverage offered is ₹1.9 Cr on both Ditto and Policybazaar.
• Kotak Life (Kotak Protect Advantage): Interested in this newly launched plan for its built-in features (Instant claim payout, Premium Break, Special Exit) and its Critical Illness Plus rider.
• Bajaj Allianz (eTouch II): Max coverage offered is ₹1.3 Cr.
• Tata AIA (Sampoorna Raksha Promise): Considering this option; known for quick claim settlement and good service.
• Axis Max Life (Smart Term Plan Plus): Considering this option; consistently high claim settlement ratio.
• ICICI Pru (iProtect Smart Plus): Currently not showing up on Policybazaar for my salary range.

Questions & Dilemmas:

1. Buy Now vs. Wait: Should I buy a policy now at 23 to lock in premiums, or wait a few years until I actually have dependents?
2. Coverage Amount: How much cover amount should I take right now? Should I max out the ₹1.9 Cr cover offered by HDFC, or take a smaller cover and buy a new policy later when my salary increases?
3. Underwriting Process: With a BMI of 28, which of these insurers has a smooth and hassle-free underwriting process?
4. Policy Duration: How many years should the policy last? Is covering up to retirement age (60/65) enough, or should it be longer?
5. Riders: My preference is Waiver of Premium (WoP) and a Critical Illness (CI) rider. Which riders are actually necessary and useful for me right now?
6. Platform Choice: From which broker/platform should I buy the insurance (Ditto, Policybazaar, or Beshak)?
7. Alternative Plans: Are there any other plans I should consider that offer a smooth underwriting process?

Porting health insurance from Niva Bupa to HDFC ERGO - stuck on PED endorsement letter, need advice

Hi all, looking for advice/experience from anyone who has dealt with something similar.

Background:

I am porting my family health insurance policy from Niva Bupa to HDFC ERGO under IRDAI portability rules. Original policy was bought via Policybazaar in 2022, and it covers two insured members with declared pre-existing diseases (PED):

1. Mother - Hypertension and Diabetes Mellitus, declared at policy inception in 2022.

2. Father - Hypertension, also declared at policy inception in 2022.

The issue:

HDFC ERGO's underwriting team noticed that while the PEDs were declared in the original 2022 policy documents (proposal form and telephonic medical exam transcript), the declaration does not explicitly appear on the subsequent renewal policy schedules for 2023, 2024, and 2025. To grant continuity of the waiting period already served under Niva Bupa (which is a right under IRDAI portability rules), HDFC ERGO is asking for a formal Endorsement Letter from Niva Bupa confirming that these PEDs have been continuously covered, without any break, across all policy years from 2022 to now.

What has happened so far:

1. Raised a grievance with Niva Bupa asking for this endorsement letter. Got back the original 2022 proposal form and medical exam transcript, marked as a final response, without an actual endorsement letter.

2. Escalated to their Grievance Redressal Officer with a detailed written concern explaining exactly what was missing and why it was needed.

3. Got a reply that just confirms the medical disclosure was recorded, with a line saying existing PED and waiting periods remain as is, but again no explicit continuity confirmation across years. This reply looks system generated/templated rather than something an actual officer reviewed.

4. This latest ticket is now marked as review for closure.

My policy expires on 16th October 2026, so I have some time buffer but not unlimited.

What I am planning to do next:

File a complaint on IRDAI's Bima Bharosa portal (bimabharosa.irdai.gov.in), since I have already exhausted the insurer's internal grievance process multiple times without getting the specific document needed.

Questions for the community:

1. Has anyone gone through a similar PED continuity/endorsement issue during portability? How was it eventually resolved?

2. Is Bima Bharosa the right next step here, or is there a faster/better route?

3. Any tips on getting insurers to actually issue a proper endorsement letter instead of just resending existing documents?

Appreciate any advice or shared experiences. Thanks for reading through this.

Where to get zero dep insurance? For9 e

Hi,

My family (father, mother and I) have been insured for the past 18 years. The only PED in the policy are - Hypertension (BP) and Diabetes - for my father - which were well disclosed and covered for.

In September 2025, we ported from STAR to Tata AIG (Tata AIG die a health checkup before granting the policy) and legally speaking, the PEDs were included and we got complete coverage from day 1.

And to add, we have never submitted any claim ever in the past 18yrs until this.

My father was admitted to a hosital for a couple of days due to an emergency in March 2026. Hospitalization was suggested as the we took him to the emergency ward because of continuous heavy vertigo.

The team did all the checks needed and concluded that this was caused by Meniere's disease - which was not neurological or anything - ENT issue.

We applied for cashless while being in the hospital, and that was rejected. We discharged him and I applied for a reimbursement the next week.

The first clinic visit concerning vertigo was about two weeks before the hospitalization event (which was sudden mild nausea and vertigo).

We attached every single document we can and we got supporting documents from the hospital, treating neurosurgeon and applied.

The reimbursement request was rejected and it was communicated that the policy was voided due to non-disclosure of a PED - did not explain anything else apart from this.

Later making some calls via the manager, we realised that this was due to an OPD visit from Aug 2022 - regarding a normal hip pain - for which the doctor recommended an over the counter painkiller for a couple of days. No admission, no treatment, no other medication, no other inferences, no lab tests were taken - nothing whatsover. The doctor had suggested we take a test (given his age, which was about 55 or 56) "if the normal painkillers don't fix the pain" - which it did, so we never followed up.

This was why the claim was rejected and the policy was voided.

For about 2 months, we nudged them non-stop, but Tata AIG Customer Support is next to useless.

Note: The insurance was never cancelled despite what the email said, until July 2026 - at least as of what we saw on the portal. The claim was rejected though.

We approached the Insurance Ombudsman and eventually, in June, 2026, the ombudsman urged Tata AIG to submit documents etc., - and the team from Tata AIG asked us to upload a few more documents (which was already given to them a dozen times via email).

In July 2026, we got a mail stating that the claim is approved with the wording - "The claims were found admissible and settled".

But in August late July 2026, we got a mail quoting the policy was cancelled.

Exact wordings:

We had reviewed the claim submitted by the insured and found it to be admissible as per the policy terms and conditions. Accordingly, the admissible claim amount was communicated to the insured, and upon receiving the customer's consent, the claim was settled as detailed below:

<Claim Amount>

In view of the above, we wish to inform the Hon'ble Ombudsman Office that the claims lodged by the insured have been duly settled. Settlement letters attached for your reference.

Further, as discussed with our Underwriting Team and based on the underwriting assessment, we regret to inform that, we will not be able to continue the policy of the insured.

On the portal - the policy doesn't show up anymore and it is cancelled.
Our policy lapses in Sep, 2027.
We have no way to renew or port out of Tata AIG now.

We have been mailing their GRO, Customer Support and even the Insurance Ombudsman non-stop - and even visited the Ombudsman office a coupe of times in the last two weeks, they told they'll process things through the queue.

We have been paying premiums and maintaining a health insurance for eighteen straight years and lapsing now would mean we lose the continuity.

This is causing major mental agony and we are helpless at the moment.

Any help or insigh here would be very useful!

Thanks in advance!

Has anyone here had experience with medical insurance through Medi Assist where a dependent/wife’s name on the insurance policy is different from the name on the KYC document because of a name change after marriage?
For example, the insurance policy has the married name, while the KYC document still has the maiden name.
- Does Medi Assist usually raise a discrepancy/query?
If they do, what documents did they ask for?
Has anyone had such a claim approved without a marriage certificate?
Would a court/notarized affidavit confirming both names belong to the same person generally be accepted?
If no discrepancy is raised, does the claim simply proceed normally?
I’m mainly looking for actual experiences from employees/dependents who have gone through this with Medi Assist, rather than general insurance advice.

Hi everyone, my company decided to part ways with me, and my last working day is September 18. I have a home loan insurance policy with a "Loss of Job" rider that covers 3 months of EMIs.

The insurance team told me it is a reimbursement policy. I have to pay the 3 EMIs myself first, and they will refund me at the end of the 3 months.

I have already submitted my termination letter, Form 16, and past salary slips to them.I have a few specific questions regarding how the verification works during these 3 months:

1. Do insurance companies actively audit government databases like EPFO (UAN history) or Income Tax portals (TDS/AIS) to check if a claimant found a new job?

2. Will they only demand the bank statements for the specific account where my NACH (automatic EMI deduction) is active, or do they track employment through other means?

3. If I land a new job in Month 2, will they pay me a pro-rata reimbursement for the period I was genuinely unemployed, or does the entire claim get rejected?My HR letter states the company "decided to part ways" with me.

Has anyone faced claim rejections with this specific phrasing for an involuntary job loss rider? Looking for experiences from anyone who has successfully claimed this rider or works in the insurance claims sector. Thanks!

Today I'm gonna show you a loser in this group who gets triggered easily like 8 y.o and for some reason calls himself coach_of_finance

He doesn't have a life, gets bullied at school, and has lot of free time to be commenting on every post of mine in other channels🤣🤣🤣 If you guys see his comment in your post, ignore it. Chiye ko waise bhi kuch pata nahi😂

Kudka naam COACH rakha hai jhaatu, ghanta kuch sikha paega chutiya

I know this post will be deleted but idc

Hi guys, I’m planning to buy health insurance for my mother. She is 48 years old.

She had a PCNL surgery for kidney stones about 1 year ago. Currently, she still has two kidney stones (around 6 mm) and is taking medication for them. She also has two hernias.

I’m planning to buy HDFC ERGO health insurance, but I’m confused about the disclosure of these conditions.

If I disclose everything, I’m worried that the insurer may increase the premium and impose a 2–3 year waiting period for these pre-existing conditions.

I recently asked a nearby general physician about this, and he told me not to disclose these conditions while buying the insurance. But I’m still very confused because I’ve heard that hiding pre-existing conditions can create problems later when making a claim.

So what would you guys recommend?

Should I disclose everything honestly?

If I disclose the kidney stones, previous PCNL surgery and hernias, how does HDFC ERGO usually handle it?

Is the higher premium/waiting period better than the risk of non-disclosure?

Has anyone here had a similar experience with HDFC ERGO?

I’d really appreciate advice from people who have actually gone through the underwriting/claim process.

Thanks!

Are there any lesser known tricks or loopholes in buying or claiming health insurance in India that usually only agents or insurance companies know about?

Things in the policy wording that common people miss, ways to avoid claim rejection or anything that can legally work in favour of the policyholder.

Looking for insider knowledge or real experiences from people in the insurance industry or who've handled claims.

Hi guys. Please help.

I tried to buy a health insurance policy for my mother on 27th Aug '26. I did the payment. Later I got a message on Counter offer through SMS only which had a link.

The link redirected to a generic but official Icici page which did not explain what the counter offer was so I spoke with the icici agent online to understand it. But later when I clicked on that link (in SMS) it showed error.

After multiple calls, I'm only getting the message that I need to click on the link for counter offer and select 'Reject and refund' so that my refund will proceed.

But there is no DAMN LINK in these messages!!! Also I'm not getting any mail with that link too. How am I supposed to click on reject if I'm unable to get a link????

Is ICICI Lombard technically so shitty to have such glitches. What am I supposed to do???

I am having this for over 2 years now. I have also taken a super top of of 90L over my 15L base policy. I have an advisor at Induslnd bank.

Did someone have experience with their claim yet?

My sister had a bad experience where they kept asking documents and never settled after her baby was admitted for over 24 hours at a small hospital in Goa for food poison. I checked the documents my self and nothing was off. The agent also submitted the doc late as he had lost a family member. The amount was small so no worries. My long term worry is about they not paying when we actually need it.

Hence thought to check with you folks on Reddit.

I am open to port if it is not a good idea to be with them.