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Term and health insurance

Can someone suggest a good term insurance plan. I need a cover of at least 3cr. (Open to suggestions based on my salary) Also need health insurance for both parents, and self. Company provides a basic plan of 7L. Please recommend. Basic details: Age 30 Salary > 50LPA

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ShelbyT

Amazon

8 months ago

HDFC Ergo health insurance - a bit higher premium but best claimTosettle ratio ICICI Lombard Term Insurance For term insurance, till age 60-65 makes sense DYOR, please read all the details/T&C before purchasing it.
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SteveRogers

Stealth

8 months ago

I agree with this HDFC ergo is best in the market for health insurance. Buy separate insurance for you and parents as your premium will be less as compared to parents. ICICI is good for term insurance. You can also buy LIC term insurance online. Please don't fall into the trap of endowment plans, the term plan should be plain vanilla term only.
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xcalabarat

Stealth

8 months ago

If you are looking for the 3cr equivalent of today in 2049 money . It will be around 21cr . Calculate your estimated yearly expenses today and multiply by 7. The same goes for health insurance. One great plan is by religare that will give coverage up to 6 cr (not immediately but after multiple renewals)
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WonderfulGuy

Encora

8 months ago

Take a look at https://www.beshak.org/ and https://joinditto.in/
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FancyChino64

Stealth

8 months ago

suggest to have a chat with ditto
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Sherlock007

TCS

8 months ago

Ditto is booked for months...next meeting will be like in next year
See more comments
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Sherlock007

TCS

8 months ago

Canara hsbc obc and star health respect.
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FancyChino64

Stealth

8 months ago

star health has very bad claim settlement ratio
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Sherlock007

TCS

8 months ago

It's 98%
See more comments
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RowdyScooter

Stealth

8 months ago

Recently updraged my term insurance of 1.75cr by topping it up with another 3.25 cr. I had term life insurance from max, and the second policy i got was also from max. I’d recommend checking out ditto, they explained everything and made the process seamless. Not promoting them, just happy with their services
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Sreekanth

Unnamed

8 months ago

Any big company for term insurance is OK. Ignore the advice written about the claim settlement ratio. They don't really understand what they are talking about nor how to interpret the data. Health insurance is little complex than life insurance. Select based on habits, family history, budget etc. Safe to ignore Religare and Star insurance in my opinion. You don't need most expensive health insurance plan either. It just waste of money. I'm a senior insurance advisor in life and health, both. Check my profile or mail, [email protected] with your requirements. Don't make financial decisions based on random internet suggestions. Whether life or health insurance, your family members will make a claim for you, not you.
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ctilak

JP Morgan

8 months ago

It might be cliche, however suggest HDFC Ergo and HDFC Life. I have moved from STAR and ICICI respectively.
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PersonalFinanceAbhi

Stealth

8 months ago

Connect with me. We can suggest you detailed plan based on your salary and risk taking capabilities.
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MickieMouse

Deloitte

8 months ago

Niva bupa reassure 2.0 is good.
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gOwl

Cisco

8 months ago

But what about niva bupas claim ratio?
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MickieMouse

Deloitte

8 months ago

It has 90%. There are so many ways a insurance company can reject the claims.
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RedKimono

B2B SaaS

8 months ago

When it comes to health, look no further than Even Healthcare. Simple and covers for anything that I need. Really comprehensive. I don't spend out of pocket at all.
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LadisWasherum

Stealth

8 months ago

IMO even is probably one of the best which is out there. They have a good cover up to 1cr for IPD and 10 lakh for OPD. They have in-house doctors available for tele consultation and they have recently opened two clinics in Bengaluru too. Over all experience has been good till now
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LadisWasherum

Stealth

8 months ago

Bro add compensation details also 😛
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