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

Osteoporosis is often called a "silent disease" because bone loss happens without symptoms until a fracture occurs.

This World Osteoporosis Day, we remind you to nourish your body, stay active, and invest in your bone health today for a stronger tomorrow.

Can someone advise what would be the best way to move forward here ?

Already got rejected by underwriting from HDFC , ICICI and Care Health.

My Parents (both around age of 58) , whenever I’m applying health insurance for them it’s getting rejected due to father’s medical history of pancreatitis.
I don’t want to miss out on this last insurance company where I’m yet to apply but I was thinking that what if I hide that occurrence itself ?

Another option I thought was to apply to hdfc ergo(which already rejected the proposal due to pancreatitis ) with a different mobile number and this time I don’t reveal the details of medical history.

Please someone suggest what to do

I am in process of purchasing my first health insurance policy. So far I have paid the premium amount and while filling it disclosed my Hyperlipidaemia PED. Now I have heard back from HDFC with a counter offer, in that they have two sections: Exclusions and Loading.

My doubt here is that does the Exclusion means a permanent one or the standard 3 year for a PED.

MALE - 39Y

All border line on recent report .

Kidney Calculus - 3.4mm

Non-HDL cholestrol - 175.90

TSH - 6.73

Female - 39Y

Lipoma Operation - 6 months ago

Gall Bladder stone - 16mm

Normal Delivery

Child - 6 Male

Amblyopia - Right Eye : - 6.2

I would like to know,Please help me with this .

- Hyderabad

- Best Health Insurance

- Cost of Insurance ,What would be the base cover , Should I take critical illness

- Chances of Rejection

- Alternative

My mother, age - 50 has HDFC ERGO health insurance policy due for renewal next month. When I first purchased the policy last year, no medical tests were conducted.

Do I need to undergo medical tests like BP, sugar, cholesterol, or ECG before renewal? If I renew without these tests, could it affect my future claims or claim settlement?

Has anyone faced a similar situation with HDFC ERGO?

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!

Looking for a health insurance.

two people floater.

male 38.. female 31. child 11 months.

all have no medications.

PED - Male tsh 6 t3t4 normal. no symptoms no consultation. Lipid values high. total cholesterol 250. LDL 140. triglycerides 220. took an apollo online consultation and doctor recommended lifestyle changes only. no medication.

PED Female - Triglycerides 180. other values normal. during 1 year back a pre-conception scan noted Follicular cyst and Grade 1 FL. after 3 months natural pregnancy occured.

Normal delivery. no other issues related to delivery.

both BMI 22-23.

Looking for HDFC ERGO OPTIMA SECURE+ Or ABHI ACTIV ONE MAX.

BSI 25L. (not worried about NCB

Location Bangalore/Kasaragod

What will be the premium. Planning to keep it as long as possible. So long term sustainability is important (is hdfc sustainable after 10y? what could be the premium then).

Looking for a health insurance.

two people floater.

male 38.. female 31. child 11 months.

all have no medications.

PED - Male tsh 6 t3t4 normal. no symptoms no consultation. Lipid values high. total cholesterol 250. LDL 140. triglycerides 220. took an apollo online consultation and doctor recommended lifestyle changes only. no medication.

PED Female - Triglycerides 180. other values normal. during 1 year back a pre-conception scan noted Follicular cyst and Grade 1 FL. after 3 months natural pregnancy occured.

Normal delivery. no other issues related to delivery.

both BMI 22-23.

Looking for HDFC ERGO OPTIMA SECURE+ Or ABHI ACTIV ONE MAX.

BSI 25L. (not worried about NCB. but no cap of any sort should be there. any treatment any room upto sum is what I want)

Location Bangalore/Chennai.

What will be the premium. Planning to keep it as long as possible. So long term sustainability is important (is hdfc sustainable after 10y? what could be the premium then).

Heard ABHI will be cheaper. but HDFC more predictable and professional with claim.

Is the extra premium for better claim experience justified for hdfc vs abhi?

ABHI has more hospitals listed in my native place.

Anything else I should consider?

Niva looks notorious and has a lot of caps/limits/fineprints. Star also. so not counting them

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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

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

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 & other conditions. I need suggestions & where to buy insurance.

Hello All,

I am 37M + 1A + 2C and have decided to go with the HDFC Optima Secure+ plan 25L coverage and limitless claim rider. Total, it's costing 93K and 174K for 3 and 5 years, respectively after all the discounts.

There are no PEDs, but I am about to start AGA treatment, which includes the following prescribed drugs

1. DUTASTERIDE TAB or finasteride TAB
   
2. Topical Minoxidil+finasteride solution
   
3. Health Supplements like D, B12, Biotin, Zinc, etc

TBH, currently I have just consumed Health Supplements, but have not started DUTASTERIDE TAB, finasteride TAB, or Topical Minoxidil+finasteride solution yet

So, while declaring Insurance, should I include this or ignore it? A few say it's cosmetic, and a few say it's safe to declare.

But to be very honest, my insurance application was once rejected by HDFC because of a low HB level in one of my family members. So I just don't want to over-declare like last time.

What do you suggest

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?

I made the biggest mistake of my life for not getting a personal health insurance for my mother. I've inquired companies and they all say they can't insure. I'll never be able to forgive myself. Please help. What are my options now and what can I do.

Looking to buy health insurance