Hotness All you should know about health insurance befo...

Hot Deal All you should know about health insurance before buying

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Thunder766 wrote:

How’s GoDigit health insurance? Has anyone tried them out?

something new way of setting the limit for Post discharge.

Post Hospitalization Lumpsum
The lumsump amount for the same will be 1.5% of your approved claimed amount.

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Plz share/pm me the spreadsheet link

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baadshah wrote:

something new way of setting the limit for Post discharge.

Post Hospitalization Lumpsum
The lumsump amount for the same will be 1.5% of your approved claimed amount.

Yeah, checked that point. But if you click on the ‘i’ button next to it, it says the insured can either choose to reimburse or take 1.5% of the claim amount.

So it’s upto us.

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baadshah wrote:

something new way of setting the limit for Post discharge.

Post Hospitalization Lumpsum
The lumsump amount for the same will be 1.5% of your approved claimed amount.

I have read similar kind of T&C in some other plan (I think some plan of Star health) also where capping of 7% of post hospitalization expense.

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Check, Manipal Cigna health insurance, I have taken this insurance Pro Health Insurance Policy… comparatively better..

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vijay518 wrote:

Check, Manipal Cigna health insurance, I have taken this insurance Pro Health Insurance Policy… comparatively better..

I have same, and works out pretty good for me after 2k OTC claims per person per year.

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Thanks .
Also which one do u suggest for a family ?
Looking for a premium of approx 25 L .

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drjpatwa wrote:

Except for accident, all other diseases have minimum waiting period of 30 days in all policy.

Thanks .
Also which one do u suggest for a family ?
Looking for a premium of approx 25 L .

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I need to take policy for my father.He has done angioplasty 3 years back and he is 62 years old..No other pre existing disease…I tried star health cardiac care plan,but they asked to go for comprehensive plan which I rejected since too expensive.

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vasanth_ece wrote:

I need to take policy for my father.He has done angioplasty 3 years back and he is 62 years old..No other pre existing disease…I tried star health cardiac care plan,but they asked to go for comprehensive plan which I rejected since too expensive.

For pre-existing cardiac disease, I am only aware about Star health cardiac plan. Cardiac care plan has very less waiting period while comprehensive plan has higher waiting period too.

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vasanth_ece wrote:

I need to take policy for my father.He has done angioplasty 3 years back and he is 62 years old..No other pre existing disease…I tried star health cardiac care plan,but they asked to go for comprehensive plan which I rejected since too expensive.

have you check this one from Religare, may be expensive, you can compare.
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https://www.religarehealthinsurance.com/heart-h...
specific health insurance for cardiac patients and beneficial for persons who have pre-existing heart ailments

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rovio.29 wrote:

Thanks .
Also which one do u suggest for a family ?
Looking for a premium of approx 25 L .

Check pm, I have sent u spread sheet of health insurance comparison.

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@drjpatwa Thank you for your wonderful initiative; really appreciate it. Would you be kind enough to share the link to the spreadsheet that you created? Thanks!

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r3d-d3v1l wrote:

@drjpatwa Thank you for your wonderful initiative; really appreciate it. Would you be kind enough to share the link to the spreadsheet that you created? Thanks!

Thanks bro.
Sent link, check pm.

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Guys, anyone has any idea about Liberty Health Insurance ?

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I spent half an hour and managed to reach 10th page only, can someone summarise the best plans to buy based on age group and family structure?

Like best plan w/ premium for:
2 parents of 50 age + 2 children of around 20 age
Only 2 parents of 50 age
2 parents of 30 age (assuming newly married)

I think that would help all of us

@drjpatwa Your knowledge helped in life insurance also pray thanks a lot

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sjain010101389 wrote:

I spent half an hour and managed to reach 10th page only, can someone summarise the best plans to buy based on age group and family structure?

Like best plan w/ premium for:
2 parents of 50 age + 2 children of around 20 age
Only 2 parents of 50 age
2 parents of 30 age (assuming newly married)

I think that would help all of us

@drjpatwa Your knowledge helped in life insurance also pray thanks a lot

Thanks.

Each person has a different need in health insurance. So single company product doesn’t fit to all. Better to compare all plans by urself & decide best according to ur need. Also if I suggest 1 or 2 plan, someone might think I am biased.

I have sent comparison sheet in pm, check that for comparison of all plans & then if any query is there, u can ask me.

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@drjpatwa really thanks for this great effort. Do you have any idea about health insurance with maternity benefit with less than 2 year waiting period (Religare joy seems to have 9 month waiting period but the premium is very high for sum insured)

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@drjpatwa Please send me the comparison sheet too. i am looking for a couple of policies for different age groups

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@drjpatwa i am also looking for it.
Pm also sheet and best insurance suggestions blush

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thisdeal_rocks13 wrote:

@drjpatwa really thanks for this great effort. Do you have any idea about health insurance with maternity benefit with less than 2 year waiting period (Religare joy seems to have 9 month waiting period but the premium is very high for sum insured)

Thanks.

Religare Joy having lowest waiting period of 9 months but as u said, it is costly.

U can check for Max heart beat plan. They have 2 yr. Waiting period, child is covered from day-1 without any additional charge & even vaccination is covered upto age of 1 yr.

I will make separate comparison for maternity plan & will let u know.

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@drjpatwa Are those corporate group health insurance plans for parents useful.My parents are above 60 and the existing mediclaim provider has refused to increase the cover so thinking of availing company’s GHI which has premium of 20k for 3 lakh and 20% copay.should I go ahead or there are any other companies that provide mediclaim for senior citizens at less premium than this

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madmax87 wrote:

@drjpatwa Are those corporate group health insurance plans for parents useful.My parents are above 60 and the existing mediclaim provider has refused to increase the cover so thinking of availing company’s GHI which has premium of 20k for 3 lakh and 20% copay.should I go ahead or there are any other companies that provide mediclaim for senior citizens at less premium than this

Premium will be definitely high at that age. For 3 lac, 20k premium with 20% co-pay is not good deal i guess.

U can check for arogya Sanjeevani plan which have 5% Co-pay rule or Sbi arogya plus plan (if no disease is there among parents).

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