Please check Acko health insurance once, if you fit apply for platinum health insurance it is cost effective with many benefits.
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Best Health Insurance Practically
- Thread starter kshitij_0
- Start date
i am a doc and so far have seen good settlement claims for niva
i dont know what you have heard
but me and my colleagues have been using niva and even whom i recommended never complained
so i adviced based on my experience
may be different states different people working and different issues
are you guys getting hospitalised very often? and at such young age?
the agent who did mine and my colleagues will send you his % of share income so this way we get the premium saved lower than policy bazaar and even from niva website itself
hospital hazards are much ...we ofter avoid it but when you know the due course and the investigations so its better to get admitted and done under the insurance
rather than shelling from own pockets
Okay u bought the policy offline via agent it seems? In contrast offline prices are generally higher compared to online channels. But in your case, the agent share their hefty commissions it seems
I think you got 5% medical practitioner discount as well, in your case?
Prices are same for offline & online except for first year.
The agent gets 15%,so he shares some with the aware customers in order to reach his target & get higher commission & Europe trip 😆
vine
TF Legend
For some companies it's 20+% . Star health used to give but not now. They may say 15%, but some companies give them more. So even if they share % in first year, they are not in loss.
Yes, 15% is base rate.
Top up is very different than base cover and has lot of sub-clauses
Just a question, Based on your experience, how is Niva Bupa (especially in 60+ segment). Also does taking it from policy bazaar helps during claim process? Which company insurance did you find best based on your own/family/acquaintance experience, keeping cost factor aside.
Sudip
TF Premier
Saw random blogs and few youtube videos which confirms to stay away from Niva.
Complaint ratio of niva is above 40% - the highest in the industry as per ditto insurance YouTube channel.
Anyways thanks for sharing your experience, will stick to HDFC ergo for now.
Another factor to consider, Niva started selling very low cost insurance too, I have seen some duffers buying the policy when they had to undergo surgery. Those claims create a lot of noise. It's hard for us to differentiate between genuine claims being rejected and non-sense claim being rejected. Even Nova is not very transparent about it, or in fact no company is. They should submit a statistic for distribution of rejections across various reasons
Yes and like you said they shared there comission also
so i got lower than the online prices being offered
If you can get acko, it's the best health insurance around as of now. Problem is, it is very difficult to get nowadays. They will reject giving the policy for any single issue in your medical history.
Could you please give more details on Acko insurance? I never heard anyone talking about Acko as well as mentioning it best.
superstar@123
TF Premier
Dont go with Acko, right now they are rejecting the proposal and similarly, even if they find 0.01% gap in your claim, they are going to reject it as well !
