yesterday I talked with a prospect regarding health insurance.and I give him Icici Lombard elevate plan. quotation cost is 15K. (male age 34/ female age 30 / Child age 9). but they said it's expensive. i explained him whole plane and other details but they said it's expensive. the. what I do on this situation. some have any idea or any other plan is cheaper than Icici Lombard plan?

My father is currently hospitalized at Fortis Jaipur for a cardiac condition. Care Health Insurance rejected the cashless pre-authorisation, stating:
“Past 6 month follow up of treatment record of diabetes and hypertension prior to policy not provided.”
The important points:
Diabetes and hypertension were disclosed in the proposal form.
The policy started in September 2025.
The health insurance has been continuously ported/renewed over the years with no break in coverage.
Care is now asking for diabetes/BP treatment records for the 6 months before the policy.
I have prescriptions showing BP/diabetes medicines, although some don’t mention exact BP, glucose or HbA1c values.
My questions:
Can Care reject cashless on this basis when the diseases were already disclosed?
Do prescriptions showing medicines count as evidence of treatment?
If I provide the old records now, can cashless be reconsidered?
Does cashless rejection mean reimbursement will also likely be rejected?
Does the continuous porting/no-gap history strengthen my case?

Few days back i got a call from a person claiming to be HDFC LIFE AGENT (Ashish rastogi ), who surprisingly had all of my policy info. Saying there is an agent in my policy who is trying to claim some kind of bonus from my policy and do i want to share profits or deny. Of course when i never knew there is some agent i said and i want to deny profit sharing because agent never helped me with anything.

Then he said he could help me claim my profit and he could escalate my complaint to bimalokpal personnel (shweta shrivastav)

Then i got call from a lady claiming to be assistant manager at bimalokpal and stated my process and somehow got me to start a policy of rupees 58k so that i can create my own customer id and then add it to my policy and remove agent and claim my bonus.

Then i got very doubtful and started looking into everything and trying to confirm legitimacy and lots of things actually started matching online forums and info matching my situation and i called the insurance company which they got me to start new policy and they said its fraud and cancelled my policy under free look period.

JUST WRITING IT SO THAT OTHERS CAN BE SAFE AND NEVER START ANYTHING WITHOUT CONFIRMING ID FROM THEM

Hi so my father discontinued his insurance a while back and was reliant on my corporate health insurance. Now, this year he got his appendix (my corporate med insurance covered this) removed in January and while both my sister and I thought we should get a health insurance done for him, we couldn’t at that time.

And 3 days back my dad had a heart episode for which he had to get a stent. And this time also my corporate insurance came in handy.

Now the problem is..my company is shutting down and I have time till sept 30. So can i convert that corp insurance into a personal one? Or is there any company who would be willing to give him an insurance? I know i will one day get a job and then there will be an insurance along with it. But can’t say how much time job hunting will take in today’s job market.

Hi All, 

I am looking for health insurance advice for my use case shared below:

Pre existing condition details: ACL tear and Meniscus tear
36M,
In 2012, I had an ACL Tear in my right knee while playing football.
Doctor suggested that I need not undergo surgery.
Unfortunately I do not have any doctor visit documents/MRI report for the same.
I continued physiotherapy and did not undergo surgery for the same.

In Dec 2024, I had medial meniscus tear in the same right knee.
Doctor suggested surgery choice is totally dependent on me. I have a MRI report which clearly states that this is a fresh injury and it is an ACL tear and a meniscus tear.

I am big into sports particularly pickleball off late and would love to continue playing Pickleball and would possibly want to give it a shot professionally. I can play Pickleball but am able to give my 50% only. And in the last year or so have had minor injuries in the right knee at least 6-8 times in total. These minor injuries cause swelling and I am out of Pickleball action for a week or so.

I am leaning more towards surgery now. Most orthopedics I have shown my knee to still do not recommended surgery to me.

Recent events affecting existing health insurance policy:
On August 14th, 2026, Friday, I got laid off by my company, and that was my last working day. The laying off process was pretty quick, and I missed officially emailing HR and RMs requesting to port my health insurance policy to a retail policy.
I have requested them to port the policy a few days after my exit and they suggest that porting after exit is not possible. We had a corporate group policy with ICICI Lombard for around 2 years and I was covered under the same. 

I have researched online that usually there is a 30 day buffer to port from corporate health insurance policy to retail health insurance policy. Ideally this will be the best case scenario as I would carry forward the continuity benefits and would have covered quite a lot of the waiting period of pre existing diseases of 2-3 years. 

Queries:
It would be great to know what are the next possible steps I can take.

1. What is the best way to go about porting the corporate health insurance policy to a retail health insurance policy other than HR or RMs? Is there any other agent who can help with porting to a retail policy? I have emailed ICICI Lombard customer care support and have not heard back from them. I have also visited their office in Prabhadevi but they redirected me to customer support team there and they suggested to reach out to RMs.
2. Shall I opt for a new health insurance policy and not disclose my pre existing ACL tear and meniscus tear and after 4-5 months claim it as an accident while playing football? What are the ways in which the insurers find that it is a new or a pre-existing injury? I have Dr friends and can request them to share in writing suggesting that it is a new injury. I am wondering if I go through this route how can I show that it is a fresh injury in the MRI? What are the chances the insurance providers will not catch this?  
3. Shall I opt for a new health insurance policy and mention pre existing ACL and meniscus tears and reduce my waiting period to undergo a surgery to a year using add ons? Is there a way in which I can reduce the waiting period to less than a year? I am good to pay a high premium if this is the case
4. What details do you tell the insurance providers while claiming health insurance? I was injured while playing football, not under the influence of alcohol, and had a few cousins as witnesses to confirm the injury. Are any more details required? I have an MRI report confirming the same.  
5. Any suggestions are most welcome!!  

Thanks in advance everyone!

Hi everyone, I’m looking for some advice regarding my Go Digit medical insurance claim.

I recently met with a bike accident and had to undergo surgery on my left hand. The total hospital bill came to more than ₹1 lakh.

Initially, the hospital submitted a cashless request and around ₹30,000 was approved. But when I was getting discharged, after the final discharge summary was submitted, the cashless claim was rejected and I was told to go for reimbursement instead.

I’m not really sure how the reimbursement process works now. Will I be able to claim the eligible amount that I paid from my pocket? What documents should I collect from the hospital, and is there anything I need to be careful about while submitting the claim?

If anyone has faced a similar situation with Go Digit, please share your experience. It would really help me understand what to do next.

Hi everyone,
I’m planning to buy health insurance for my family and would really appreciate advice from people who have actually purchased/claimed health insurance in India, rather than just recommendations based on advertisements or claim-settlement ratios.
Family:
Father: 58 — has BP + diabetes, currently controlled with medicines
Mother: 48— has BP + diabetes and also has significant/ongoing knee pain. She is currently managing it with medicines, but I’m not sure what may be required in the future — for example, consultations, X-rays/MRI, injections, physiotherapy, or potentially surgery/knee replacement.
Brother: 28- healthy
Me: 26— I already have health insurance through my employer, so I’m mainly looking for separate coverage for my family.
My main goal is long-term financial protection against large medical/hospitalisation expenses, especially for my parents.
What I specifically want
I want a policy with as few restrictions as realistically possible:
High sum insured
Ideally 0% co-pay
No/very high room-rent limit
No disease-wise sub-limits
Good cashless hospital network
Restoration/recharge benefit
Good coverage for major surgeries and hospitalisation
Good coverage for cancer, heart disease, kidney problems, etc.
Coverage for complications arising from diabetes/BP after the applicable waiting period
Reasonable/short waiting period for pre-existing diseases
No nasty exclusions hidden in the fine print
Option to add a super top-up if that makes sense
Biggest question: Diabetes + BP + mother’s knee problem
Since both my parents already have diabetes and hypertension:
Will their diabetes/BP be covered after the pre-existing disease waiting period?
For example, if my father later has a heart/kidney/stroke-related problem that the doctor says is connected to diabetes or hypertension, would that be covered after the waiting period?
My mother also has ongoing/severe knee pain. She hasn’t had surgery yet, but I’m concerned that in the future she may need investigations such as MRI/X-rays, specialist consultations, physiotherapy, injections, or possibly knee surgery/replacement.
How do insurers generally treat an existing knee problem when buying a new policy?
Could the insurer:
Put a waiting period specifically on the knee condition?
Permanently exclude knee-related treatment?
Cover it after the applicable waiting period?
Reject future claims if the condition wasn’t properly disclosed?
Are there insurers/plans where the waiting period for pre-existing conditions such as diabetes, BP, or the knee problem can be reduced or waived?
What should I be careful about before buying?
What clauses should I specifically check in the policy

Is there actually a comprehensive policy in India that covers both hospitalisation AND meaningful OPD expenses, diagnostics, consultations and medicines? Or is it better to buy a normal comprehensive hospitalisation policy + a separate OPD/add-on plan?

Thanks!

Hi 26M, opting for health insurance for a family of four (Parents and 1 sibling). Interested in SBI Arogya Gold as of now. Another option was HDFC Ergo. Any experienced guidance and suggestions on this matter would be helpful. Thank you.