help on deciding helath insurance provider

help on deciding helath insurance provider

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Dear all , I am finalising between below health insurance providers after checking it’s Claim rations -
Max Bupa, Tata AIG, New India assurance, Baja Allianz, HDFC ergo . all the these providers having Claim ratio is 96% and above so I have chosen these providers out of these I am going with one of family floter plan . Please help put your valuable inputs which health insurance you have and your experience. plse plsee

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You can think for star heatth insurance also. Good provide. If you need any discount pm me

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iamshashikant wrote:

Dear all , I am finalising between below health insurance providers after checking it’s Claim rations -
Max Bupa, Tata AIG, New India assurance, Baja Allianz, HDFC ergo . all the these providers having Claim ratio is 96% and above so I have chosen these providers

Having used Bupa in Kenya Nigeria long back, was very impressed with them.
Took term plan (life insurance) from Max Bupa in India.
But overall, in India; rather than claims ratio, i always look at the TPAs or the ease/difficulty of claim settlement procedures or response times and ease of dealing for aprrovals, settlements with companies and their nutcase TPAs.
In private ones, IFFCO Tokyo is good too (i.. have no experience of dealing with them as an individual customer though. With corporate or office dealings, the insu broker company that dealt in IFFCO.. gave us professional service and so did IFFCO Tokyo themselves).

Sarkaari comoaniea not on the radar? sad
New Insia Assurance have been reasobably good. Their branch people and mid-level officers too gave mostly been directly appeoachable in case of minor hiccups.
in-fact, despite TPA culture, i recommended NIA to a close one .. as recently as January 2020 (but that was Tier 2 city)
Why don’t you once ask someone at/within Terna (Terna Sahyadri) Nerul, D.Y. Patil (LP bus stop highway) type places.. as to which ones have had better, faster approval, settlement procedures.

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New india out of all above you mentioned.

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arga wrote:

Having used Bupa in Kenya Nigeria long back, was very impressed with them.
Took term plan (life insurance) from Max Bupa in India.
But overall, in India; rather than claims ratio, i always look at the TPAs or the ease/difficulty of claim settlement procedures or response times and ease of dealing for aprrovals, settlements with companies and their nutcase TPAs.
In private ones, IFFCO Tokyo is good too (i.. have no experience of dealing with them as an individual customer though. With corporate or office dealings, the insu broker company that dealt in IFFCO.. gave us professional service and so did IFFCO Tokyo themselves).

Sarkaari comoaniea not on the radar? sad
New Insia Assurance have been reasobably good. Their branch people and mid-level officers too gave mostly been directly appeoachable in case of minor hiccups.
in-fact, despite TPA culture, i recommended NIA to a close one .. as recently as January 2020 (but that was Tier 2 city)
Why don’t you once ask someone at/within Terna (Terna Sahyadri) Nerul, D.Y. Patil (LP bus stop highway) type places.. as to which ones have had better, faster approval, settlement procedures.

So you are nearby Nerul / JUINAGAR . Okay. In my office one agent of nia . I saw he sells new India assurance policies. My brother too had a nia policy of earlier job.

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arga wrote:

Having used Bupa in Kenya Nigeria long back, was very impressed with them.
Took term plan (life insurance) from Max Bupa in India.
But overall, in India; rather than claims ratio, i always look at the TPAs or the ease/difficulty of claim settlement procedures or response times and ease of dealing for aprrovals, settlements with companies and their nutcase TPAs.
In private ones, IFFCO Tokyo is good too (i.. have no experience of dealing with them as an individual customer though. With corporate or office dealings, the insu broker company that dealt in IFFCO.. gave us professional service and so did IFFCO Tokyo themselves).

Sarkaari comoaniea not on the radar? sad
New Insia Assurance have been reasobably good. Their branch people and mid-level officers too gave mostly been directly appeoachable in case of minor hiccups.
in-fact, despite TPA culture, i recommended NIA to a close one .. as recently as January 2020 (but that was Tier 2 city)
Why don’t you once ask someone at/within Terna (Terna Sahyadri) Nerul, D.Y. Patil (LP bus stop highway) type places.. as to which ones have had better, faster approval, settlement procedures.

Once I enquired in NIA by call. They called me 3 times whether I had took policy or not as well. There after didn’t called me.

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iamshashikant wrote:

Once I enquired in NIA by call. They called me 3 times whether I had took policy or not as well. There after didn’t called me.

my parents and bade papaji type senior citizens have got help from branch or regional office in matters while renewing or taking policy snd advice on porting.
and
While in 400706, the Star Health guy himself told him that sir if you are having a NIA policy and happy with it then continue with them.
At that time porting was not there i think and he had just new new become agent of Star Health.
He was (maybe is) still in Seawoods.
So yes, NIA luckily doesn’t act like a sarkari/ lethargic group.
It’s just that, most people in their offices are often 40-45+ and thus.. things can get a bit dheela>.
Offtopic: somehow, despite lethargy, i have often felt that post offices, MTNL, BSNL (and NIA) people atleast patiently listen and give time/help.
That’s not always the case with private sector and even SBI.

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arga wrote:

my parents and bade papaji type senior citizens have got help from branch or regional office in matters while renewing or taking policy snd advice on porting.
and
While in 400706, the Star Health guy himself told him that sir if you are having a NIA policy and happy with it then continue with them.
At that time porting was not there i think and he had just new new become agent of Star Health.
He was (maybe is) still in Seawoods.
So yes, NIA luckily doesn’t act like a sarkari/ lethargic group.
It’s just that, most people in their offices are often 40-45+ and thus.. things can get a bit dheela>.
Offtopic: somehow, despite lethargy, i have often felt that post offices, MTNL, BSNL (and NIA) people atleast patiently listen and give time/help.
That’s not always the case with private sector and even SBI.

So what u opted?

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