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Best Health Insurance Practically

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the_dark_knight said:
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?
Click to expand...
It works a bit differently.
They have in-house Doctors who will be your first point of contact to suggest if you need to go to any doctor physically. If you need to, then they'll load some money on your Even wallet so that you can visit the doctor of your choice and pay at the Clinic thru the Even app just by scanning the Payment QR code.

They don't have any network clinics or hospitals. So you HAVE to choose your own doctor/clinic.
Any doctor's consultation with a minimum MBBS degree is covered.
Note: Even does not cover the cost of medicines/injections etc.
It's purely consultation and diagnostics which is covered for unlimited amount.
 
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racydex said:
It works a bit differently.
They have in-house Doctors who will be your first point of contact to suggest if you need to go to any doctor physically. If you need to, then they'll load some money on your Even wallet so that you can visit the doctor of your choice and pay at the Clinic thru the Even app just by scanning the Payment QR code.

They don't have any network clinics or hospitals. So you HAVE to choose your own doctor/clinic.
Any doctor's consultation with a minimum MBBS degree is covered.
Note: Even does not cover the cost of medicines/injections etc.
It's purely consultation and diagnostics which is covered for unlimited amount.
Click to expand...
They will load some money into your even wallet --- how is this amount decided? Is it fixed or as per our requirement.
For diagnostic , is it cover all labs and all radiology teststs like xray ultrasound fibroscan and other highly priced diagnostic tests
 
the_dark_knight said:
They will load some money into your even wallet --- how is this amount decided? Is it fixed or as per our requirement.
For diagnostic , is it cover all labs and all radiology teststs like xray ultrasound fibroscan and other highly priced diagnostic tests
Click to expand...
He did mention that even MRI is covered.
I've recently subscribed, haven't had a claim yet so don't know more.
But the customer support and product offering seemed much better than Kenko which I had earlier got.
 
racydex said:
He did mention that even MRI is covered.
I've recently subscribed, haven't had a claim yet so don't know more.
But the customer support and product offering seemed much better than Kenko which I had earlier got.
Click to expand...
Okay I had never tried or aware about kenko,even and other opd insurers before
Last year I had practo plus infinity opd coverage which also worked superbly for practo empanelled doctors but they discontinued it now.
Also have tried visit opd insurance before but they have a relatively small list of empanelled doctors
 
the_dark_knight said:
They will load some money into your even wallet --- how is this amount decided? Is it fixed or as per our requirement.
For diagnostic , is it cover all labs and all radiology teststs like xray ultrasound fibroscan and other highly priced diagnostic tests
Click to expand...
racydex said:
It works a bit differently.
They have in-house Doctors who will be your first point of contact to suggest if you need to go to any doctor physically. If you need to, then they'll load some money on your Even wallet so that you can visit the doctor of your choice and pay at the Clinic thru the Even app just by scanning the Payment QR code.

They don't have any network clinics or hospitals. So you HAVE to choose your own doctor/clinic.
Any doctor's consultation with a minimum MBBS degree is covered.
Note: Even does not cover the cost of medicines/injections etc.
It's purely consultation and diagnostics which is covered for unlimited amount.
Click to expand...
For fever, ent or ophthalmology visits, you don't need to see their in-house doctors as they cannot do much online. You can directly contact them through WhatsApp chat and they will activate the scanner or reimbursement option. However, their doctors are understanding. For payment, you scan the upi qr code at the hospital through the app scanner and even makes the payment. For each visit, they allot some amount while activating the scanner. If the actual amount is higher than the limit alloted as some hospitals might charge higher amount than others then you can contact them and they will match that amount.
 
Lalit said:
For fever, ent or ophthalmology visits, you don't need to see their in-house doctors as they cannot do much online. You can directly contact them through WhatsApp chat and they will activate the scanner or reimbursement option. However, their doctors are understanding. For payment, you scan the upi qr code at the hospital through the app scanner and even makes the payment. For each visit, they allot some amount while activating the scanner. If the actual amount is higher than the limit alloted as some hospitals might charge higher amount than others then you can contact them and they will match that amount.
Click to expand...
Thanks, this seems to be good opd policy then, I will have to research all terms then
One last question, is only opd insurance variant provided by them and for 65+yr olds?
 
the_dark_knight said:
Thanks, this seems to be good opd policy then, I will have to research all terms then
One last question, is only opd insurance variant provided by them and for 65+yr olds?
Click to expand...
They have Even lite membership which provides only opd however I am not sure about their tnc and coverage whether it is similar to even plus which includes ipd. So you will have to check with them.
As per my knowledge, they don't allow 60+. Once my friend tried it.
 
can anyone explain in short what are these "Even" & "Kenko" companies ?
Never heard of such insurance companies, that's why asking 😶
 
krishc said:
can anyone explain in short what are these "Even" & "Kenko" companies ?
Never heard of such insurance companies, that's why asking 😶
Click to expand...
They're new age insurers with the primary objective of providing OPD Insurance cover which we normally don't get with the General Mediclaim insurance (or they give it with a very small sublimit)
For example, Kenko/Even will cover the cost of visiting your Doctor for a fever which your mediclaim won't.
 
CD. said:
health policy aisi lo jo 10-20 lakh ka claim bhi jab ho to pass ho jae naki tuche muche OPD
Click to expand...
Agreed. A pure mediclaim policy of an adequate amount according to your city is first priority.
And if you're family has a lot of doctor visits and diagnostics throughout the year then an additional OPD cover should be good too if you can afford the extra cost.
Not to forget a pure vanilla term insurance for the earning members of the family.
 
sourpai said:
I tried to buy care supreme few days back for my parents. Took this since there was an add on to remove waiting for certain pre existing conditions. This was as per suggestion made by Ditto agent. Took the policy and made the payment also.

However, the one lady called and took all the details of previous health conditions. Based on that they came up with counter offer and lot of exclusions. ditto agent suggested not to go ahead with this counter offer.

I am going to decline that now and will ask for refund. Will try Maniapal Cigna now. Also will try Acko since there seems to be no other option

HDFC Ergo wont work due to 3 years wait for pre existing ailments. Don't want to wait for 3 years in case of my parents
Click to expand...
Did they accept Amazon Pay for initial payment?
 
Amazon pay UPI is 1 lakh. Amazon pay voucher limit is 20K if I am not wrong (not fully sure). Amazon pay UPI is of no use as it goes from bank account
 
sourpai said:
Amazon pay UPI is 1 lakh. Amazon pay voucher limit is 20K if I am not wrong (not fully sure). Amazon pay UPI is of no use as it goes from bank account
Click to expand...
Actually Amazon Pay GC has limit of 1 lac.
pprakash11 said:
Yes.. upto 1L you can pay using AGC
Click to expand...
Thread 'Amazon pay gift card balance in a year'
https://www.technofino.in/community/threads/amazon-pay-gift-card-balance-in-a-year.11453/
Rocky Bhai said:
The limit for insurance payment is 1L
I paid several lic premiums ( of total 46k)with Amazon pay gift bal on 19th of March .
Click to expand...

Rocky Bhai said:
Yes 1 is of 14k and rest 4 are of 7.9k
Click to expand...

Rocky Bhai said:
@ccguy you can pay insurance payment upto 1Lac from Amazon pay gift balance.
Click to expand...
 
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