Need Suggestion & Clarification on Health Insurance Choices

[rrsji]

I’m planning to buy three health insurance policies but am feeling quite confused about my options. On Twitter, someone suggested searching for policies on PolicyBazaar but purchasing from Ditto—though I’m not sure why.

Right now, I’m looking for maternity health insurance with a coverage period of at least 3–4 years, and a PolicyBazaar agent recommended Star Assure for this purpose.

For my parents, the agent advised splitting their policies due to my father’s past health condition. This means I would end up with four policies instead of three. The recommendations were:

• Care Health Insurance for my father, with a 20% copayment, as he was diagnosed with TB 1.5 years ago.
• Niva Bupa Aspire 2.0 for my mother and sibling.
• The same Niva Bupa Aspire 2.0 policy for my in-laws.

I spoke to two different PolicyBazaar agents, and their statements were slightly contradictory regarding certain policy details. Now, I need some clarifications that I believe PolicyBazaar itself may not be able to provide. I’d appreciate insights, especially from anyone with personal experience.

My Questions:​

1. What’s the difference between buying insurance from PolicyBazaar versus Ditto?
2. One agent claimed that Niva Bupa’s age lock keeps the premium fixed until age 50, regardless of the number of claims made. However, another agent said the premium resets with every claim. Which one is correct?
3. I was told that my sibling will be removed from the family policy upon turning 30, but I thought this only happens after marriage. Can someone clarify?
4. What are your thoughts on these three policy types? Are there any must-know things for a complete novice like me when buying health insurance?

I’d really appreciate any guidance or personal experiences you can share. Thanks in advance!

 

[HiddenGems]

I will try to answer some of your questions based on my research for buying a policy for my family.

1. You can buy policy directly from insurers website or policy bazaar or Ditto based in your choice - premiums remains the same..
Ditto provides decent advice and do not followup with frequent calls to buy a policy(that’s the advantage, but I don’t know they hv good customer support like others)

2. It is advised to get separate policy for aged people- since policy premium will factor based on senior person for group insurance.. Care is good choice for the same

3. Niva Bupa’s age lock feature is nothing but if you are taking a policy at young age and you will end up paying same premium until you make your first claim..

Note - premium is calculated based on age and medical inflation on yearly basis..

So though we say premium is locked for age , there could be slight change in premium due to medical inflation..

4.Kindly read policy document to know about including siblings in your policy and age restrictions

 

[rrsji]

I will try to answer some of your questions based on my research for buying a policy for my family.

1. You can buy policy directly from insurers website or policy bazaar or Ditto based in your choice - premiums remains the same..
Ditto provides decent advice and do not followup with frequent calls to buy a policy(that’s the advantage, but I don’t know they hv good customer support like others)

2. It is advised to get separate policy for aged people- since policy premium will factor based on senior person for group insurance.. Care is good choice for the same

3. Niva Bupa’s age lock feature is nothing but if you are taking a policy at young age and you will end up paying same premium until you make your first claim..

Note - premium is calculated based on age and medical inflation on yearly basis..

So though we say premium is locked for age , there could be slight change in premium due to medical inflation..

4.Kindly read policy document to know about including siblings in your policy and age restrictions

Thanks, a lot. I am also looking for a strong and satisfied user base of customers for their insurer.

What I found is that Star Health always rejects the claims on the first go, and users have to file CIO for it to get settled.
apart from corporate, every personal insurer gives some bitter taste and also looks for lesser evil in full of devil group.