CyberPsych
TF Ace
Hey I recently came to read this thread, can you explain what is the 24 months waiting period in this optima restore policy?
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Best Health Insurance Practically
- Thread starter kshitij_0
- Start date
Waiting period is for all pre-existing diseases.
One cannot make any claim for x years (x = waiting period). It can be between 2 yrs to 4 yrs across insurers and policies.
more fraud in care insurance
economictimes.indiatimes.com
Rashmi Saluja issued huge amount of options in Religare & subsidiary without informing shareholders: Shriram Subramanian
“The Religare board has to state very clearly why it is opposing a large shareholder increasing its holding. The minority shareholders are affected and they are waiting and watching. SEBI needs to show some directions to both the board as well as the Burmans on what are the next steps. I think...
HDFC ergo super top up is just 20 Lakhs. That's where I am having a rethink when I am porting out of Star.
Yes, top-up is limited.
For now, I am on 20L base plan, will think of super top-up later.
rahulsingla
TF Buzz
HDFC Ergo Super Secure. Get the base policy of 25L atleast.. It covers base * 3 = 75L
@Lalit need even referral link asap pls
CyberPsych
TF Ace
Can anyone help me with this, since we can get tax rebate for health insurance under 80D, if I take my insurance policy for my parents (I don't have TDS deductions) and my brother who has TDS of ₹3000 per month pays for it, can he file tax claim for him as he paid for it? How is this checked by income tax department, PAN?
The reason behind this is, I stay with my parents and he is far away, so any health check up or hospitalisation, I can handle it easily so I am thinking to take policy with my details so I can talk with insurance companies.
The reason behind this is, I stay with my parents and he is far away, so any health check up or hospitalisation, I can handle it easily so I am thinking to take policy with my details so I can talk with insurance companies.
Your brother can be the Proposer. Add your contact details as alternate.
CyberPsych
TF Ace
It is possible but the procedure and conditions vary with the insurance provider. Check with them directly before purchasing.
racydex
TF Select
I believe you have the Even OPD insurance since 6months+ now. What is your experience?
Has anyone tried any of the other OPD insurance like Kenko/HealthAssure etc? How was the experience?
kenko has some genuinely bad reviews on youtube.
racydex
TF Select
I have also used Kenko about a year ago, that time they gave claim of 50% of bills. Now they say it's 100%. So wondering if they are any better now. I tried to check reviews but most are older. Can't find any usable reviews from last 3 months.
Lalit
TF Buzz
My experience with even has been good. They have a good customer service over the call as well as over WhatsApp chat 24×7. I haven't had any issues yet regarding reimbursement or cashless payment for visits and lab tests.
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racydex
TF Select
And do you think it's worth the cost? Or you would have otherwise also spent the same amount of money without insurance?
Lalit
TF Buzz
It's worth the cost for me. I am paying approx 23k (for myself, my wife and 2 year old kid) for 10 lakh worth insurance which is applicable for both opd and ipd.
However, the cost will vary as per your dependents. In my opinion, medical insurance isn't about extracting the exact worth as it is supposed to be a backup in case of any emergencies whether opd or ipd. Since it covers opd visits and lab tests, it takes away one tension from my mind regarding the repeated costs.
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shashank08
TF Premier
Which health insurance do you have?
Lalit
TF Buzz
"Even" health insurance
They mostly likely meant they were interested in taking even health insurance only for the OPD benefits variant. If your primary ipd health insurance is also even, then no doubt the premium is justifiable.
For opd, any offline doctor visit is eligible for reimbursement, or selected few?
