Which external health insurance do you have? And why did you choose that?

Welcome to Personal Finance's Private Community

Health insurance

Software Engineer

Health insurance- Grapevine

Please do share what's the cover you have taken. Also, do you look only for claims settlement ratio or are there any other factors that were considered while finalizing?

Planning to move away from Star Health and looking for options.

Which Health Insurance do you have apart from the ones provided by your employer?

Program Manager

Welcome to Software Engineers's Private Community

Please suggest a good Health insurance

Which health insurance would you suggest, I started looking from acko but found a mandatory health tests before applying. Suggest some good sources to buy health insurance without hassles.
so i am looking for cover of me, my mom and sister. Is there a way to get my sister covered or will I have to get one for her separately, all inputs are welcomed, please share your good and bad experiences with all insurance covers and premiums you avail

Which health insurance and covers you have?

Associate Product Manager

Welcome to IT Company Discussion's Private Community

Insurance in company vs outside insurance. Which one we should Opt? Please comment.

Test Engineer

Hey. I'm sorry if this question is a repeat, but I am currently on the lookout for medical insurance outside corporate insurance for my family (me, wife and newborn son). 
We are both working and are covered in corporate health insurance separately. But I have heard that a separate health insurance is better. What do you guys think? 
If you think it would be better to have a separate health insurance, which one would you guys suggest? 
Please and Thanks!

Personal Health Insurance

Welcome to Indian Startups's Private Community

Can anyone suggest best health insurance other than corporate insurance which they provide of 5 lakhs.

Best health insurance?

Tech Lead

Looking out to buy Term Insurance. Am married, and both of us are working.
Wanted advice on deciding the coverage amount, cover till age, deciding between various plans, should both of us take the insurance

Anyone who has taken it, please advise. Thanks in advance!

Term Insurance Advice Needed

Analytics Manager

I am in my twenties and have been working for the last 15+ months. I am making 12 LPA. However, I still don't have any insurance for myself. I started looking for suitable options on PolicyBazaar, but I became very confused after seeing all the available policies. I don't even know how to choose the right insurance or what factors I should consider before purchasing a policy. Could you guys please provide me with some guidance on this matter?

Choosing a good life and health insurance for me

Frontend Engineer

Should we buy a personal health insurance on top of the corporate insurance that we have ? If yes , which one is the best considering that am at my mid 20's. 

Please share your views on this.

Health Insurance

Application Analyst

So I was searching for an adequate health insurance plan for my parents aged 64 and 59. After comparing various plans and checking with Ditto, I have narrowed it down to 2 plans Care Supreme and Aditya Birla Activ One. 

Both of them have similar benefits with no room rent limit, additional rider to lessen the coverage time for PED (since most seniors have some conditions or the other this becomes most important), no sublimits for any particular diseases and no co-pay. Also Ditto isn't directly able to compare them both since "Aditya Birla Activ one is quite new and they don't have data on them" which doesn't quite sound right to me as it sounded quite like they were pushing me towards Care Supreme.

I did consider other plans as well like Niva Bupa or HDFC Ergo but they were way too expensive providing similar benefits only.

Any of you guys have taken the above mentioned plans or are planning to take an insurance for your parents? Also are there any other insurance advisors similar to Ditto? I tried talking to a few agents but all of them seem to be pushing Star Health plans nowadays which sound to be utter crap to me.

Health insurance for parents

According to me the following are must have in order of importance:

1. Personal Accident Insurance
2. Critical Illness Cover
3. Health Insurance 
4. Car/Bike Insurance
5. Term Life Insurance

Please feel free to suggest other products, if I have missed any.
Also please suggest any recommended insurance providers for those products.

Insurance products that are Must Have

Actuarial Associate

Spending money on individual health policy (family floater) when you already have corporate policy, is it a good idea ?

Most google searches will say Yes, but want to know your experience.

Have you purchased individual health policy along with corporate policy ? If yes, do you feel like wasting money !

Analyst

I wanted to reach out to all the professional to know more about the underlying perk as parental health insurance.

How your employer support you on this.
Whats the premium looks like, is any co-pay or room cap limit.

Lets discuss this on this.

How are you handling your parental health insurance policy?

Hi guys I need a good recommendation for a long term health insurance for myself and later after marriage maybe add them also

Any suggestions and what would be the pricing
My age 28

Health insurance recommendation

Software Developer

Hey, In my company (early stage startup) we don't have insurance, so I wanted to know the best health insurance according to you for me and my parents (above 50) which should have OPD and Cashless treatment. Is implant covered in Insurance?

Best Medical Insurance

Whats your strategy when it comes to Insurance?

- ULIP with life cover (the ulip returns outdo the insurance by the time the policy ends usually) Vs Term life

- Health ( Family floater Vs Individual cover ) assuming no pre existing conditions

Sad that most if our gen lacks good insurance knowledge and penetration (this for me is a key aspect of financial
Literacy!!)

Insurance !

Investor

I've completed 1 year in my first job. I've tried saving and investing some money, help me decide what I can do better:

Income: 22LPA

PPF: 3 Lakh
EPF: 2 Lakh
MF: 5 Lakh
Saving Account: 4.5 Lakh

Income for new FY post increment: 29LPA

I did these savings based on some advice from my elder brother.

I'd like to spend more this year though, with some travel and going out more, maybe even purchase a scooty/bike and a PS5 😁 - would these expenses be justified?

Apart from improving my savings & investments and 
still being able to afford a few luxuries, I want to know if I should get any of these:

- Health Insurance - Only 5 Lakh cover from company for me and my parents (note - parents are getting old)
- Life Insurance - Do we really need it, I'm still 24?

Health insurance

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