Need Suggestions for Medical Insurance
So recently my dad visited a relative who was on a ventilator and when he came back he was quite anxious about what he saw and asked me to look for good Medical Insurance for the family. Now I did some research on the same but would love some of your suggestions of which to choose or how I can select a good one and from where. Basic Requirements - 10 lac coverage (idk if that's enough or should I go for more) and good hospitals covered. Other details got me confused so maybe help me out.š„¹ Thanks
BiryaniEnthu
Stealth
a year ago
Had come across a video yesterday, don't buy one with room rent capping. Or any capping for that matter, anything excess gets taxed at 33%
SteveRogers
Stealth
a year ago
That was because the guy took a room which 33% expensive then his allowed expenditure. That's why he had to pay 33% extra overall.
SteveRogers
Stealth
a year ago
Always buy 2 different plans.
1 for parents
2 for you and your wife, kids etc.
Never combine these 2, as parents medical insurance will be very high due to age.
For parents, buy policy like this -> 5 Lakh base + 95 Lakhs top up
Good option -> Star Comprehensive
For your policy -> 5lakhs base + 95 top up
Good option-> Young star
These are the policies which I have...
If you would like the number of my advisor, let me know.
mohallekauncle
Student
a year ago
Any charges or anything for the advisor?
SteveRogers
Stealth
a year ago
Nope, he will get his commision from company only. You have to pay the same which you would, if you bought directly from company.
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FunkySaint
Stealth
a year ago
I'm using HDFC Ergo. Optima Restore. Very happy with it upto now. Also claimed 2 times. Was smooth.
ThisEquity47
Stealth
a year ago
Check ditto health insurance. They help you in deciding the right cover and will guide you. Have heard lot of good reviews about them online.
Noddiye
Stealth
a year ago
Second this. I found HDFC Ergo to be quite good.
I can help but I don't know how to help you. Does this platform allow if I write my email id where you can contact me? I'm an IRDAI insurance advisor, Pension advisor and NISM certified mutual fund distributor. 15 lakh is good depending on floater or individual, the type of policy, features etc. Also your family past/current medical history needed to suggest. Health insurance is much complicated. It can't be suggested by simply giving names.
