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Best Health Insurance Practically

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kshitij_0

kshitij_0

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I wanted to buy a new Health Insurance for me and my parents and didn't buy yet because of confusion and over research. And now one more player "Acko" came with it's Unlimited plan and everything on the table to raise the confusion to another level.
So I though let's discuss with our experts.
Just give me 1 name(if possible) and cover amount so that I can take that without having a second thought. I know it might depend on various factors but still.
Insurance Companies are way harder to judge than credit cards.
 
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Acko is serving limited policies. Check once on acko for your family, if it covers, you can go for it else check for policies on policy bazaar. I bought 1Cr health insurance covering 3 family members today (10L base and 90L topup). It was Max Bupa Health Saver plan
 
What your and your parents age? Are you married?
If yes then obvious you should buy separate policy.
I have HDFC Ergo Optima restore - 10 lacs. Premium of me, wife and 1 yr kid 21k. This policy does not cover maternity, for that I have company insurance.
In addition I have 30 lac super to up crom Manipal in 1300. (Yes 1300 only)
Connect with @Ditto, they will help you for good suggestion.
 
PREMPATEL12 said:
What your and your parents age? Are you married?
If yes then obvious you should buy separate policy.
I have HDFC Ergo Optima restore - 10 lacs. Premium of me, wife and 1 yr kid 21k. This policy does not cover maternity, for that I have company insurance.
In addition I have 30 lac super to up crom Manipal in 1300. (Yes 1300 only)
Connect with @Ditto, they will help you for good suggestion.
Click to expand...
can you explain this top-up policy little bit
 
Dada, you tube.. sab sikha dega.. try it.
Also see diff. B/w top-up and super top up.
In short, after this 10 lac from base policy got exhausted this super policy will trigger and they will pay over and above payment.
 
I would suggest to go with HDFC ergo optima restore or Icici lombard Health shield as family floater . Though the insurance coverage is personalised one and but in general 10 Lakhs cover would suffice and take a 25 L top up cover . If parents are old , better to go with seperate insurance policy for them in individual plan .
 
Manipal Cigna LTH plan is worth looking. Better value for money hdfc ergo and icici Lombard

Niva Bupa customer support is very poor. Incase somebody get stuck in claims , it will be a very bad experience
 
kshitij_0 said:
I wanted to buy a new Health Insurance for me and my parents and didn't buy yet because of confusion and over research. And now one more player "Acko" came with it's Unlimited plan and everything on the table to raise the confusion to another level.
So I though let's discuss with our experts.
Just give me 1 name(if possible) and cover amount so that I can take that without having a second thought. I know it might depend on various factors but still.
Insurance Companies are way harder to judge than credit cards.
Click to expand...
I am having TATA Medicare Premier policy with 10L base plan and 1Cr Super Topup for 2 people. You can explore it. Its the best policy as per my extensive research.
 
Make sure you get health insurance for parents before they enter 60yrs.
I can recommend what I use i.e. national insurance senior citizen floater plan for parents from 5lac to 10lac depending on ur budget. While get a seperate plan for yourself where you can add spouse n kids later.
 
Last edited:
In prospectus or policy details pdf on site it's given in end with a little complex table chart.
 
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