Best Health Insurance Practically

[krishc]

Found this Manipal Cigna Lifetime health policy through an online aggregator - offering really competitive premium rates for my parents. (min coverage 50 lakh though)
Couldn't find any obvious red flag at first glance - but attaching the docs for community's view and in case of gross oversight on my part !!

 

[j_s]

Found this Manipal Cigna Lifetime health policy through an online aggregator - offering really competitive premium rates for my parents.
Couldn't find any obvious red flag at first glance - but attaching the docs for community's view and in case of gross oversight on my part !!

This has been quite a favourite among our clients.

 

[krishc]

This has been quite a favourite among our clients.

which sector are you in ?

 

[vine]

Found this Manipal Cigna Lifetime health policy through an online aggregator - offering really competitive premium rates for my parents.
Couldn't find any obvious red flag at first glance - but attaching the docs for community's view and in case of gross oversight on my part !!

My biggest concern with smaller insurance companies is hospital network and possibility of cashless (instead of reimbursement).

 

[PavanPavan is verified member.]

How is HDFC ERGO in general

 

[Dragon_slayer]

How is HDFC ERGO in general

Its good. I have taken the same

 

[amitagl27]

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.

I'll share my experience so far for parents' health insurance policies.
I've the insurance since 2015 and below is the premium paid until now:



Below is my experience with claims of Star

1. Cashless is easy if you've planned surgery
2. Re-imbursement is tough. You've to submit physical documents to their office.
3. Don't go with Star

Few suggestions:

1. Buy insurance as soon as possible since after 8 years mortarium gets activated, which is a good thing. https://www.livemint.com/money/pers...eriod-in-health-insurance-11713941940251.html
2. Take parents insurance separate and yours separate
3. I've checked with around 5 hospital insurance desk in Hyderabad and all of them agree on below
   1. Corporate Insurance is the easiest to get pre-approval
   2. HDFC Ergo comes second for all cashless settlements. They don't even deduct un-necessarily and mostly pay the full bill (if you've taken consumables etc riders)
   3. Niva Bupa was good until 2022 but the cashless settlements are difficult in last 2 years for Niva Bupa
   4. Star is the worst for any type of settlement.
4. Talk to @ditto guys and explain them your requirements. They are the best. They suggested me to not switch in 2023 when I had issues with Star and I was planning to port. They told me mortarium will be activated next year and they cannot deny any claim. If you port now it will activate some un-necessary clause and your claims might get rejected (my mother got a heart condition since last 3 years).

**HDFC ergo premium is a bit on a higher side, but I would suggest to go for it since claims settlement and cashless approvals are smooth.

 

[krishc]

I'll share my experience so far for parents' health insurance policies.
I've the insurance since 2015 and below is the premium paid until now:

View attachment 54352

Below is my experience with claims of Star

1. Cashless is easy if you've planned surgery
2. Re-imbursement is tough. You've to submit physical documents to their office.
3. Don't go with Star

Few suggestions:

1. Buy insurance as soon as possible since after 8 years mortarium gets activated, which is a good thing. https://www.livemint.com/money/pers...eriod-in-health-insurance-11713941940251.html
2. Take parents insurance separate and yours separate
3. I've checked with around 5 hospital insurance desk in Hyderabad and all of them agree on below
   1. Corporate Insurance is the easiest to get pre-approval
   2. HDFC Ergo comes second for all cashless settlements. They don't even deduct un-necessarily and mostly pay the full bill (if you've taken consumables etc riders)
   3. Niva Bupa was good until 2022 but the cashless settlements are difficult in last 2 years for Niva Bupa
   4. Star is the worst for any type of settlement.
4. Talk to @ditto guys and explain them your requirements. They are the best. They suggested me to not switch in 2023 when I had issues with Star and I was planning to port. They told me mortarium will be activated next year and they cannot deny any claim. If you port now it will activate some un-necessary clause and your claims might get rejected (my mother got a heart condition since last 3 years).

**HDFC ergo premium is a bit on a higher side, but I would suggest to go for it since claims settlement and cashless approvals are smooth.

If I register a callback request from @ditto, do they spam like other online aggregators ?

 

[krishc]

Have another general query !
Has anyone here ever tried stacking two super top-up plans ?

 

[george99]

What i have seen is settlement of New India Assurance is really good and 100% paid back without any issue.

 

[shivamk]

Anyone with a claim experience with Acko, the prices for unlimited coverage plans are really good and there's no PED as well

 

[palen]

I have Niva Bupa/ReAssure Direct 2.0 for my parents with base cover of 10L and renewed it recently. However, I did not know about topups/super topups while purchasing. Is it possible to buy it next year (while renewing)?

 

[amitagl27]

If I register a callback request from @ditto, do they spam like other online aggregators ?

they never spammed me until now. I didn't buy policy through them. Just one call for 20-30 mins and then I never heard back since we concluded I shouldn't buy/port/switch my parents health insurance.

 

[j_s]

which sector are you in ?

we are sub-broker for Angelone.

 

[shivamk]

I have Niva Bupa/ReAssure Direct 2.0 for my parents with base cover of 10L and renewed it recently. However, I did not know about topups/super topups while purchasing. Is it possible to buy it next year (while renewing)?

You can purchase supper top-up anytime I think and need not wait for policy renewal

 

[j_s]

Have another general query !
Has anyone here ever tried stacking two super top-up plans ?

You can do that. But for all practical purposes, we advise against it. It's a nightmare to deal with.

 

[vine]

If I register a callback request from @ditto, do they spam like other online aggregators ?

They won't.
I have used their services 2-3 times just to make sure m onthe right track.
They will recommend 2-3 products to everyone. mostly Hdfc ergo optima secure and Niva Bupa and Care , I think.

 

[mr_vasanth]

Can someone share your opinion on Aditya birla health insurance? Their activ one nxt plan looks good and the premium is very competitive for 10L sum insured. I am very much leaning towards this. If someone has a first hand experience with Aditya birla health insurance please share your opinion.

 

[m4b]

How is HDFC ERGO in general

Jitni bhi tarif karun kum padega
The best one so far.
The settlement process is so smooth. Everything is digitised.
Mere sath toh aur ek panga tha, hospital registered (non-network) ni tha hence cashless ni hua tha.
During the settlement process, I have provided every doc to register the hospital and file for reimbursement.
It took hardly 2 days to provide all the information via the app/web.
Now after my attempt, the hospital is now in the network.

 

[PavanPavan is verified member.]

Jitni bhi tarif karun kum padega
The best one so far.
The settlement process is so smooth. Everything is digitised.
Mere sath toh aur ek panga tha, hospital registered (non-network) ni tha hence cashless ni hua tha.
During the settlement process, I have provided every doc to register the hospital and file for reimbursement.
It took hardly 2 days to provide all the information via the app/web.
Now after my attempt, the hospital is now in the network.

Seriously!! are they better then others ?