Hey Folks,
Please suggest good health insurance (family floater) with OPD & minimum waiting period, based on your personal experience.
TIA
OPD insurance is not a great product. The product pricing is so bad that it’s better to pay out of your pocket for it if and when you need OPD. Insurance as a product is good for covering unpredictable but high cost expenses. OPD while unpredictable, is low cost. So not a good use case for coverage.
Go for a good health insurance with high coverage. Id recommend the Acko health 1 cr / unlimited coverage plan, I have the product and it’s very comprehensive.
You should like a novice to me while reading your expectations. Leave OPD and clauses like minimum waiting period etc. Different diseases have different waiting periods. Anyways, HDFC Optima Secure is the best available. Very expensive but very good.
Go for Acko. They're superb in claims settlement and no bullshit t&c. Ex-employee here.
Acko policy is a joke. Every family member should be part of the policy or the person should be divorcee or widower. Godigit is also same. Perfect example of hidden T&C.
Yeah ageee ditto is good. They won’t bother you with unnecessary calls. You are free to not buy even after consulting them
Check with Ditto man, they provide pretty descent guidance
I am Male 28 with a wife same age and parents aged just above 50. I am looking for a best Medical/health insurance plan(Family Floater). Need help from experts in suggestions
What should be the insurance cover limit I’ve to choose for my parents who are in their late 50s? I read an article on economic times about how high value health insurance polices are not a great choice.
P.S : They have a 5 lakh cover ...
