Suggestion needed

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Ms_ms7

Hi. I need suggestion regarding health insurance. 

My mother is 56+, diabetic, age related ortho problems and disc problem, underwent 1 ortho surgery few yrs ago. She is a housewife and has account in SBI. Pls guide me which health insurance will you recommend. Looking for insured amount between 5 - 10 lacs & policy which covers pre existing diseases too after (4yrs)

Whom do I contact?

Agents.. where are they available?

Is app-purchase or through policy bazaar OK too? 

Pls help me with your suggestions. Thanks

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Benevolent Benevolent
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Try HDFC, Starhealth

after research u can post queries again

Commentator Commentator
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Don't waste time and effort. No company will issue her a policy. Companies want only healthy/young individuals so they can profit more.
Deal Cadet Deal Cadet
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LordGane wrote:
Don't waste time and effort. No company will issue her a policy. Companies want only healthy/young individuals so they can profit more.
Don't spread lies. Several Health insurance companies issue policies irrespective of the ailments. Ofcourse, the premium amount will increase based on the current health conditions nonetheless, a policy will be issued
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Pravnz wrote:
Don't spread lies. Several Health insurance companies issue policies irrespective of the ailments. Ofcourse, the premium amount will increase based on the current health conditions nonetheless, a policy will be issued
"Irrespective of ailments", that's a very tall claim! It's just your theory. You are likely inexperienced in insurance so believing that companies will be happy to issue policies just by increasing premium. That happens for individuals who are not elders with minor problems e.g. higher BMI. Please help OP which insurers are so kind in the industry to issue policies with the underlying conditions mentioned along with premium amount. Sure, there will be many readers who would also apply for the same insurer for elders in their home.
Deal Newbie Deal Newbie
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LordGane wrote:
Don't waste time and effort. No company will issue her a policy. Companies want only healthy/young individuals so they can profit more.

That sounds too gloomy.

Surely it is not so¡! Right¿?

Deal Subedar Deal Subedar
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National Insurance. 

Deal Subedar Deal Subedar
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I dont know about insurance but these are lifestyle diseases so we can cure them with right food habits and keeping healthy lifestyle .. I pray for your health of mom...
Deal Cadet Deal Cadet
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LordGane wrote:
"Irrespective of ailments", that's a very tall claim! It's just your theory. You are likely inexperienced in insurance so believing that companies will be happy to issue policies just by increasing premium. That happens for individuals who are not elders with minor problems e.g. higher BMI. Please help OP which insurers are so kind in the industry to issue policies with the underlying conditions mentioned along with premium amount. Sure, there will be many readers who would also apply for the same insurer for elders in their home.
I worked in the insurance sector, "Royal Sundaram Health insurance" in specific and that too in the claims section. I have taken policy for a dear one with similar underlying conditions. Unlike you, I spoke from my personal experience. I am reiterating again, DO NOT spread lies saying that no company will issue a policy, there are policies specifically designed for senior citizens (even for the ones with age 80+) like Future Genrali Varishta Bima (try googling it if you know how to do it). Also, I have reached out to OP for support. So, just stop posting messages for the sake of it that are not useful to anyone
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Pravnz wrote:
I worked in the insurance sector, "Royal Sundaram Health insurance" in specific and that too in the claims section. I have taken policy for a dear one with similar underlying conditions. Unlike you, I spoke from my personal experience. I am reiterating again, DO NOT spread lies saying that no company will issue a policy, there are policies specifically designed for senior citizens (even for the ones with age 80+) like Future Genrali Varishta Bima (try googling it if you know how to do it). Also, I have reached out to OP for support. So, just stop posting messages for the sake of it that are not useful to anyone
I know very well there are elder plans and those are applicable for above 60 with super high premium. They do cover for those with e.g. Diabetes Mellitus with waiting periods etc. But no insurer likes to cover if there are past hospitalization, surgery and current problems. At age 56, OP can buy regular plan only not senior How come you didn't realize that when you worked for the so called claims section? Why don't you come back after 2 week time and please tell us if the policy was issued with the underlying health conditions mentioned and the premium amount also. You can make tall claims without any actual evidence e.g. my dear one taken, my friend's mother taken, my neighbour taken etc. Please show the application where you mentioned the past surgery and hospitalization history for your dear one and the policy is issued. 
Hunk Hunk
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Whom do I contact?

A reputed local broker. 🙂

Agents.. where are they available?

Hmm local office, call centers. 

Is app-purchase or through policy bazaar OK too? 

Don't do it. God forbid you put your phone number there. Boy, they ll spam you like nonstop.

Pls help me with your suggestions. Thanks

  • disclose everything.
  • Claim settlement ratio is good doesn't guarantee you that you ll get a settlement.
  • Look at the cashless network hospitals available at your location. It doesn't matter if your insurance provider has 12k network in the country. All it matters which hospitals are there in your locality n which are covered by your provider.
  • Cashless facility doesn't entitle you to have cashless feature.
  • Reputed brokers are Bajaj Capital. In Desidime, @drjpatwa is a very very reliable n knowledgeable person regarding these things. 
  • Choose your company wisely. They might reject your proposal after assessment. so, at this stage don't cheapened out.
  • star health insurance has a very stellar record as per my own research. Hdfc ergo is a great pricier alternatives. Folks at Niva Bupa can give Grinch for his run for money. Very very strict people are they. 🙂


Deal Cadet Deal Cadet
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LordGane wrote:
I know very well there are elder plans and those are applicable for above 60 with super high premium. They do cover for those with e.g. Diabetes Mellitus with waiting periods etc. But no insurer likes to cover if there are past hospitalization, surgery and current problems. At age 56, OP can buy regular plan only not senior How come you didn't realize that when you worked for the so called claims section? Why don't you come back after 2 week time and please tell us if the policy was issued with the underlying health conditions mentioned and the premium amount also. You can make tall claims without any actual evidence e.g. my dear one taken, my friend's mother taken, my neighbour taken etc. Please show the application where you mentioned the past surgery and hospitalization history for your dear one and the policy is issued. 

Application?? What else you need further? Aadhaar and ration card?? I mentioned “Dear ones” as I don’t want to share my family details in a public forum, hope you can differentiate a private life to public life. Everything looks like a “tall claim” for you if you are “short” of knowledge. As mentioned earlier, I have already reached out to OP. I suggest you to refrain from further posting if they are adding zero value like your earlier posts.

Again, STOP SPREADING LIES. 

Commentator Commentator
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Pravnz wrote:

Application?? What else you need further? Aadhaar and ration card?? I mentioned “Dear ones” as I don’t want to share my family details in a public forum, hope you can differentiate a private life to public life. Everything looks like a “tall claim” for you if you are “short” of knowledge. As mentioned earlier, I have already reached out to OP. I suggest you to refrain from further posting if they are adding zero value like your earlier posts.

Again, STOP SPREADING LIES. 

I know you would retreat. No one literally cares about your ration card or Aadhar card.  It's enough if you had posted a screenshot of the application where you had mentioned underlying diseases (if you REALLY did) and still got policy. What kind of personally identifiable info is there in it? Fact is insurance industry works on underwriting and less on loaded premium. An ICU bed, oxygen charged per hour basis, medicines cost more than ₹50000 per day in a Tier 1 city hospital. Insurers are not fools to issue policies with a history of DM, surgery already and other problems just because you are ready to pay 2x or even 3x premium. Sorry, The instant you said "all underlying conditions" can be covered, I realised you really don't really have any ground experience. It's good but You reaching OP with health company names or policy names won't make a difference. The underwriting is done based on health condition and if the customer is high risk category the insurer straight away rejects the policy.

OP, you don't need to stop pursuing because I said so. You can still try. But be realistic in expectations and disclose all present and past health conditions as the insured is elder. Also don't chose STAR unless it is only/last option. Please post back your experiences too later.
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sab_nehru_ki_galti_hai wrote:

That sounds too gloomy.

Surely it is not so¡! Right¿?

These days dying is difficult. A good hospital can increase longevity in majority cases. That's why life expectancy has increased. You see 70+ aged easily these days. Health inflation is more than 10% per year. Most policies cover pre and post hospital expenses for 3 months or so. Sometimes the medicine costs way higher. E.g. Women with risk of broken bones may get prescribed with an injection called Denoci monthly once. It costs ₹24000 per month. If your platelets are down with some bone marrow issues you need to spend ₹3000 for a medicine called Neuken. If you have a policy insurer has to cover it, no choice. I can keep giving a lot of examples like this. Insurers thus love young customers. This is a fact. Agents know it too so they hide health details while filling app form. It can't be done for elders easily as it will be revealed later to insurer when hospitalized.
Deal Newbie Deal Newbie
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bikidas2060 wrote:

Whom do I contact?

A reputed local broker. 🙂

Of all the people.. 😲🥴You are saying this!

‎ ‏‏‎‏‏‎ ‏‏

‎ ‏‏‎‏‏‎ ‏‏

‎ ‏‏‎‏‏‎

Corporate brokers do not usually entertain retail queries.

‏‏‎ ‏‏‎‏‏‎ ‏‏

‎ ‏‏‎‏‏‎ ‏

And (I am almost certain that) it isn't always necessary that insurance brokers offer the lowest quote.

(And yes, I am aware that an agent is different and an 'insurance broker' is different.)‏

Deal Cadet Deal Cadet
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LordGane wrote:
I know you would retreat. No one literally cares about your ration card or Aadhar card.  It's enough if you had posted a screenshot of the application where you had mentioned underlying diseases (if you REALLY did) and still got policy. What kind of personally identifiable info is there in it? Fact is insurance industry works on underwriting and less on loaded premium. An ICU bed, oxygen charged per hour basis, medicines cost more than ₹50000 per day in a Tier 1 city hospital. Insurers are not fools to issue policies with a history of DM, surgery already and other problems just because you are ready to pay 2x or even 3x premium. Sorry, The instant you said "all underlying conditions" can be covered, I realised you really don't really have any ground experience. It's good but You reaching OP with health company names or policy names won't make a difference. The underwriting is done based on health condition and if the customer is high risk category the insurer straight away rejects the policy.

OP, you don't need to stop pursuing because I said so. You can still try. But be realistic in expectations and disclose all present and past health conditions as the insured is elder. Also don't chose STAR unless it is only/last option. Please post back your experiences too later.

Your initial post literally said “Don't waste time and effort. No company will issue her a policy”. Now you are suggesting not to go for Star insurance. Do you see the difference? your posts are itself contradicting with each other. This is the textbook definition of retreat. Do you even read your posts before writing new posts? Take a stance Dude

Again, STOP SPREADING LIES and new one…STAND YOUR GROUND

Hunk Hunk
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iffcotokyo wrote:

Of all the people.. 😲🥴You are saying this!

‎ ‏‏‎‏‏‎ ‏‏

‎ ‏‏‎‏‏‎ ‏‏

‎ ‏‏‎‏‏‎

Corporate brokers do not usually entertain retail queries.

‏‏‎ ‏‏‎‏‏‎ ‏‏

‎ ‏‏‎‏‏‎ ‏

And (I am almost certain that) it isn't always necessary that insurance brokers offer the lowest quote.

(And yes, I am aware that an agent is different and an 'insurance broker' is different.)‏

Lowest quote is not important. Being able to write a solid rebuttal during claim rejection needs expertise. 

Commentator Commentator
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Pravnz wrote:

Your initial post literally said “Don't waste time and effort. No company will issue her a policy”. Now you are suggesting not to go for Star insurance. Do you see the difference? your posts are itself contradicting with each other. This is the textbook definition of retreat. Do you even read your posts before writing new posts? Take a stance Dude

Again, STOP SPREADING LIES and new one…STAND YOUR GROUND

Please calm down. Other than saying your family member has that "ideal" health policy (at least tell us what company it is so everyone can try it) you are just wasting time with worthless threads beating around the bush. Star or Moon or Sun, it matters when the policy is issued. My comment about Star insurance is generic and for everyone out there not just OP who is reading irrespective of whether they are young or old. I still say, insurers won't issue policy for the health profile if those conditions are mentioned in policy. If someone gets it good. Unless you have any comprehending problem to understand, I still believe Star, Moon or Jupiter, no company will issue policy. It's you who said there are "ideal" companies. So it's you who has to prove it not me but you chose to back out because it's a fake statement.
Helpful Helpful
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bikidas2060 wrote:

Whom do I contact?

A reputed local broker. 🙂

Agents.. where are they available?

Hmm local office, call centers. 

Is app-purchase or through policy bazaar OK too? 

Don't do it. God forbid you put your phone number there. Boy, they ll spam you like nonstop.

Pls help me with your suggestions. Thanks

  • disclose everything.
  • Claim settlement ratio is good doesn't guarantee you that you ll get a settlement.
  • Look at the cashless network hospitals available at your location. It doesn't matter if your insurance provider has 12k network in the country. All it matters which hospitals are there in your locality n which are covered by your provider.
  • Cashless facility doesn't entitle you to have cashless feature.
  • Reputed brokers are Bajaj Capital. In Desidime, @drjpatwa is a very very reliable n knowledgeable person regarding these things. 
  • Choose your company wisely. They might reject your proposal after assessment. so, at this stage don't cheapened out.
  • star health insurance has a very stellar record as per my own research. Hdfc ergo is a great pricier alternatives. Folks at Niva Bupa can give Grinch for his run for money. Very very strict people are they. 🙂


Diabetes is fine. Few company will charge loading for it. Ortho problem need to check what exact surgery was done. Few Company might refrain to issue policy to such cases.
Deal Cadet Deal Cadet
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LordGane wrote:
Please calm down. Other than saying your family member has that "ideal" health policy (at least tell us what company it is so everyone can try it) you are just wasting time with worthless threads beating around the bush. Star or Moon or Sun, it matters when the policy is issued. My comment about Star insurance is generic and for everyone out there not just OP who is reading irrespective of whether they are young or old. I still say, insurers won't issue policy for the health profile if those conditions are mentioned in policy. If someone gets it good. Unless you have any comprehending problem to understand, I still believe Star, Moon or Jupiter, no company will issue policy. It's you who said there are "ideal" companies. So it's you who has to prove it not me but you chose to back out because it's a fake statement.

Stick to one point Mate. In your first post you mentioned no insurer will provide a policy for her and now you are mentioning that insurers won’t provide policies if it is in their exclusion category. Do you see the contradiction here? This is exactly what I am trying to point out. OP has posted this message trying to get any help needed. Posts like “No one will ever give her insurance” will not only help OP but also impact in a negative way. I suggest you edit your very first message. Try and help if you can otherwise refrain from posting these generic messages and STOP SPREADING LIES

Commentator Commentator
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Pravnz wrote:

Stick to one point Mate. In your first post you mentioned no insurer will provide a policy for her and now you are mentioning that insurers won’t provide policies if it is in their exclusion category. Do you see the contradiction here? This is exactly what I am trying to point out. OP has posted this message trying to get any help needed. Posts like “No one will ever give her insurance” will not only help OP but also impact in a negative way. I suggest you edit your very first message. Try and help if you can otherwise refrain from posting these generic messages and STOP SPREADING LIES

Leave all those beat around bush threads, I'm still waiting to know from you that insurance company which issues policy for those with underlying illness. You spoke everything in the world other than naming those company names. I will also apply for the elders in my home and then will see what you said is true or not.
Deal Cadet Deal Cadet
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LordGane wrote:
Leave all those beat around bush threads, I'm still waiting to know from you that insurance company which issues policy for those with underlying illness. You spoke everything in the world other than naming those company names. I will also apply for the elders in my home and then will see what you said is true or not.

I am neither going to leave anything behind nor going to give you any details until and unless you acknowledge your mistake, edit your post and STOP SPREADING LIES

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