Personal Finance19mo
by WobblyHamsterAmazon
Heath insurance
Any experts here who can advice on how to select the right Health Insurance plan for myself and my parents. Anyone tried Ditto here? TIA.
MagicalLlama
Health insurance for parents
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.
10mo ago
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SquishyNugget
Accenture10mo
Evaluate Acko Zero Waiting Period plan. I purchased the same due to its zero waiting period benefit.
Majority of health insurance which you cited will have a waiting period that defeats the purpose of insurance for senior citizens.
MagicalLlama
Ola Cabs10mo
Have you made any claims from them yet?
I've heard a lot of bad reviews about them hence didn't even take them into consideration.
SquishyNugget
Accenture10mo
I have a friend who works at Acko and I asked him the same before purchase.
He mentioned 98% claim settlement ratio.
I haven't made any claim yet but I don't think it will be a big hassle.
DancingPretzel
Stealth10mo
If you are a salaried person, does your company provided health insurance provide topup? If so please consider that. That will not have any additional health checkup and might cover pre existing diseases. Generally some provider allow you to convert that to retail policy after separation. That would be more cost effective than external insurances. Corporates negotiate the best deal.
MagicalLlama
Ola Cabs10mo
Yes normally every company does provide some kind of health insurance for parents and it's the same for my current company as well but their policy has a lot of terms like 30% co pay, room rent limit of 1% of sum assured and max I can top up is till 5 lakh (without topup it's currently 2 lakh). Hence I wanted to take something outside of that though I wouldn't go too much as I think a 5 lakh policy with NCB piling up would take it to 10lakhs in a few years.
DancingPretzel
Stealth10mo
Makes sense. I don’t have experience on outside insurances. If lot of coworkers have concerns on this, then you should all shoot an email to HR to see whats possible. Also, whoever leaves the org, make sure that they mention this issue in the feedback form. Companies might not worry about individual employees but they do worry about attrition, especially the talented ones.
FloatingKoala
Stealth10mo
I have bought mine and my parents health insurance from Ditto. I trust them and their advice. You should just check which policy has more cashless hospitals in your pincode and chose that.
MagicalLlama
Ola Cabs10mo
I think I will go with the Care Supreme plan. Had a chat with Aditya Birla health insurance team, seems they know less about their own product than me. Pretty incompetent in terms of answering queries as they were only interested in pushing their higher end product. Atleast the people at Care know their product and were able to answer the queries.
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