Health Insurance via PolicyBazaar/Ditto vs HDFC

[thatguym]

Hi everyone,

I'm planning to get a health insurance for my dad and mom. I did my research and shortlisted two providers HDFC and Care, however my dad is adamant on getting the policy from Bank itself rather any third party like ditto or policy bazaar. But I'm thinking if the claim gets rejected for any reason we'd have to go through the hassle of resolution. Hdfc bank agent claims they have a dedicated agent for us to settle this but I'm skeptical as they would be on the bank side rather the user side. But the PB guy said slow moving diseases need not be disclosed like kidney stones/knee pain stuff which made me skeptical about going forward with them.

If anyone had any experience from policy bazaar/ditto vs HDFC or anything, please enlighten me with any such claim acceptance/rejections.

Btw the quotation from PB: 47k, HDFC :56k, Ditto: 53k, both my parents have PED and the coverage wouldnt be an issue as my corp insurance of 11L covers it meanwhile.

 

[helloworld]

So, basically u want to real-time experience (which depends on their policy, location, people they deal with it, time) which is uncertain and not useful until our own claim.

I went through bank/own website, never claimed but it was smooth so far (not sure what I have to mention because no claims made, so smooth not good word here).

 

[La pasión]

Policy bazaar no doubt

 

[Mr. BeanMr. Bean is verified member.]

Irrespective of what you choose, you might want to read the following thread on X...

it was smooth so far (not sure what I have to mention because no claims made, so smooth not good word here).

You made my day sir. Thank you.

 

[wiizzard]

But through Ditto.
Having an intermediary always helps

 

[VSC]

Hi everyone,

I'm planning to get a health insurance for my dad and mom. I did my research and shortlisted two providers HDFC and Care, however my dad is adamant on getting the policy from Bank itself rather any third party like ditto or policy bazaar. But I'm thinking if the claim gets rejected for any reason we'd have to go through the hassle of resolution. Hdfc bank agent claims they have a dedicated agent for us to settle this but I'm skeptical as they would be on the bank side rather the user side. But the PB guy said slow moving diseases need not be disclosed like kidney stones/knee pain stuff which made me skeptical about going forward with them.

If anyone had any experience from policy bazaar/ditto vs HDFC or anything, please enlighten me with any such claim acceptance/rejections.

Btw the quotation from PB: 47k, HDFC :56k, Ditto: 53k, both my parents have PED and the coverage wouldnt be an issue as my corp insurance of 11L covers it meanwhile.

How much is the coverage for the mentioned premiums?

 

[raghumahajan]

via bank , it costs more always, to save few thousands, you should choose direct from insurer or trusted 3rd party like PB and ditto.
I had good experience with PB with star health in Kolkata (Big claim ~10L) and ICICI Lombard (company provided Medi-claim) in Jharkhand (20K claim).
PB puts extra efforts in claim as they have dedicated team. But most importantly, it depends only on the team you were dealing at the time.