Best Health Insurance Practically

[CyberPsych]

Yes Bro full premium discount.. Use SmartWatch sync with Google fit.. Install Adithya Birla app there link Google fit by sync..
Now walk 10k daily for atleast 15 days per month for an year.. By doing so u can get health return which can be used while renewal of policy... By waiving the premium 😊

If you don't walk, then give watch to someone who walks daily..
Enjoy... Have a Good day Bro...

Thanks nanba 😁

 

[Stephen25]

Thanks nanba 😁

Enjoy panunga thozhare...

 

[Lobogris]

This is good idea but for high income people. Say if we do this and save 10L for 10 years. One hospitalisation will wipe it and if something happens within next 2-3 years, we will not have money. If insurance, 50k a year will give you 10L cover every year that's why mid range income people are looking after it but with confusions..

Yes, obviously, it won’t work if 10 lakhs is a very large amount for the person. Still, if the person is young, the chances of anything happening are low. So saving something like 20k to 50k per year for 5 to 10 years can build up a nice fund. You aren’t likely to fully use it whenever there is a need and then, hopefully, a few years could go by again before you needed it again. I haven’t had any health insurance in India till recently and never needed it till last week.

 

[Lobogris]

Yes Bro full premium discount.. Use SmartWatch sync with Google fit.. Install Adithya Birla app there link Google fit by sync..
Now walk 10k daily for atleast 15 days per month for an year.. By doing so u can get health return which can be used while renewal of policy... By waiving the premium 😊

If you don't walk, then give watch to someone who walks daily..
Enjoy... Have a Good day Bro...

I am sure they will come up with some way of not refunding the premium.

 

[CyberPsych]

I am sure they will come up with some way of not refunding the premium.

Yes, they will find a way

 

[knight]

By walking 10k steps 15 days per month for an year if u can do. U can waive full premium discount at next renewal time.

Yeah we were doing that earlier, but couldn't accumulate that much due to irregularity.. Saved ~8k in 2 years.

Were you able to save more?

 

[CyberPsych]

Yeah we were doing that earlier, but couldn't accumulate that much due to irregularity.. Saved ~8k in 2 years.

Were you able to save more?

With Aditya Birla fairly new to health insurance, are their claims and support good?

I am thinking of getting Aditya Birla or Care through Ditto, as HDFC ERGO is rejected for my parents

 

[knight]

With Aditya Birla fairly new to health insurance, are their claims and support good?

I am thinking of getting Aditya Birla or Care through Ditto, as HDFC ERGO is rejected for my parents

Their prices and features are competitive, I checked most relevant things like ASR, CSR, covers, exclusions etc.. seemed okay.
I've heard both good and bad reviews. Varies case to case like most insurers.

If you find more reviews DM me as well, I haven't claimed and I'm hoping for the best.

 

[OptiCard]

The insurance I've quoted isn't too bad after all is it?
It can be second choice after optima secure!

Bhai need you strong suggestion. DM you.

 

[sunit123]

simple answer is claim settlement ratio...we tend to make simple things complex...all the so called most popular plans mentioned in this thread have average or not so good claim settlement ratio

Just check claim settlement ratio and go for plan with 100% claim settlement ratio

 

[CyberPsych]

simple answer is claim settlement ratio...we tend to make simple things complex...all the so called most popular plans mentioned in this thread have average or not so good claim settlement ratio

Just check claim settlement ratio and go for plan with 100% claim settlement ratio

Claim settlement ratio is only one side. You submit 10L bill and they settle you 1L or 2L citing various reasons. This also records as claim settled. Claim incurred ratio should be considered too.

 

[sunit123]

Claim settlement ratio is only one side. You submit 10L bill and they settle you 1L or 2L citing various reasons. This also records as claim settled. Claim incurred ratio should be considered too.

The Incurred Claim Ratio (ICR) is insurer's collected premiums are paid out as claims..it does not tell claim is settled 100% or 20% or 50%

Basic check is no of cashless hospitals & Claim settlement ratio

My personal experience avoid star health, niva bupa and all new born insurance companies.

ICICI and HDFC are popular but they are also notorious & their Claim settlement ratio is less than industry average

 

[CyberPsych]

The Incurred Claim Ratio (ICR) is insurer's collected premiums are paid out as claims..it does not tell claim is settled 100% or 20% or 50%

Basic check is no of cashless hospitals & Claim settlement ratio

My personal experience avoid star health, niva bupa and all new born insurance companies.

ICICI and HDFC are popular but they are also notorious & their Claim settlement ratio is less than industry average

Yes, but if ICR is low, then that can mean they are not easy on claims for the premiums received. That is why this parameter exist