Health insurance policy suggestions

Health insurance policy suggestions

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Deal Subedar
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Hy guys i know desi dime is not only limited to deals but here we also get valueable suggestions from fellow dimers. so here i want suggestion for health insurance policy for my family. ( mom, dad, me, bro , sis) . which health insurance company is best ?. i also do lots of reasearch online but not get any statisfactory solution. for mom and dad policy the policy bazaar guys told me around Rs 30K for both of them . limit is 10 lkh . if you guys can give your valuable suggestions or guide me . its really helpful to me thnx in advance guys

17 Comments  |  
8 Dimers
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Deal Subedar
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is buying health insurance with out pre medical check up is gud ? as many companies offer it on policy bazzar

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Deal Subedar
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Dreamer-07 wrote:

is buying health insurance with out pre medical check up is gud ? as many companies offer it on policy bazzar

Now a days all r going with tele medical only.

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Deal Newbie
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I have one doubt , if we have pre-existing conditions then are they mentioned on policy?

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Deal Subedar
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harshit0509 wrote:

I have one doubt , if we have pre-existing conditions then are they mentioned on policy?

Yes you should declare pre existing disease, otherwise your claim can be reject during hospitalization.

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Deal Subedar
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There are lots of thread on same topic but it is not able to find correct answer. I myself was searching for good health insurance but couldn’t got Complete answer anywhere.

Ultimately I decided to search it myself. I have talk with all major insurer, hospitals, agents, policy wordings to get final answer. Actually I am writing whole conclusion, its lenghty but worth reading. If possible, wait for 1-2 days. Once I Complete it, I will post it here….

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Blogger
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go for star health eyes closed

you couldn’t go wrong

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Deal Cadet
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waiting for your answer

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Deal Cadet
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Go for national insurance parivar mediclaim. Using same for mom n dad. No problem while getting claim whatsoever.
Just be honest.

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Deal Cadet
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drjpatwa wrote:

There are lots of thread on same topic but it is not able to find correct answer. I myself was searching for good health insurance but couldn’t got Complete answer anywhere.

Ultimately I decided to search it myself. I have talk with all major insurer, hospitals, agents, policy wordings to get final answer. Actually I am writing whole conclusion, its lenghty but worth reading. If possible, wait for 1-2 days. Once I Complete it, I will post it here….

Very great.

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Deal Cadet
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jambui wrote:

Go for national insurance parivar mediclaim. Using same for mom n dad. No problem while getting claim whatsoever.
Just be honest.

It means u took for yourself and mom and dad ? So premium could be higher na ?

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Deal Cadet
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iamshashikant wrote:

It means u took for yourself and mom and dad ? So premium could be higher na ?

Mom n dad in one policy.
Me n rest in one policy.

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Deal Cadet
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jambui wrote:

Mom n dad in one policy.
Me n rest in one policy.

Ok u have 2 policies.

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Deal Cadet
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jambui wrote:

Mom n dad in one policy.
Me n rest in one policy.

Why u didn’t took big sum assured with one policy could have better

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Deal Cadet
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iamshashikant wrote:

Why u didn’t took big sum assured with one policy could have better

Coz mom n dad are past 60 yrs and policy charges are decided on highest age. So keeping all in same policy would turn out costlier.

Also i needed a seperate pool for parents as it is more likely to be used and exhausted. In fact i am thinking to get them individual instead next year…. would calculate with my agent.

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Deal Cadet
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jambui wrote:

Coz mom n dad are past 60 yrs and policy charges are decided on highest age. So keeping all in same policy would turn out costlier.

Also i needed a seperate pool for parents as it is more likely to be used and exhausted. In fact i am thinking to get them individual instead next year…. would calculate with my agent.

Listen . If someone who gets married by today and if child birth can he add child  in family floter plan later ?

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Deal Cadet
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iamshashikant wrote:

Listen . If someone who gets married by today and if child birth can he add child  in family floter plan later ?

Yep done that this year.

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Deal Subedar
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drjpatwa wrote:

There are lots of thread on same topic but it is not able to find correct answer. I myself was searching for good health insurance but couldn’t got Complete answer anywhere.

Ultimately I decided to search it myself. I have talk with all major insurer, hospitals, agents, policy wordings to get final answer. Actually I am writing whole conclusion, its lenghty but worth reading. If possible, wait for 1-2 days. Once I Complete it, I will post it here….

https://www.desidime.com/forums/dost-and-dimes/...

As promised, here is detail thread. You can read it.

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