I will add mine. 
  
 Premium for both parents  
 35k Inc taxes. 
  
 Sum insured  : 3 lac 
 Room limit: 1 percent for normal admission, 1.5 for icu. 
  
 There in no co-pay as such, but the 3k limit on room makes it difficult for Bengaluru hospitals.

this is very less please get a top up of around 50 lacs should cost around 4k

Product Head

Seriously 3 lac??? I think It's not sufficient, at least it should be around 20l. Wanted to know your thoughts on this.

Software Engineer

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 copay...

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?

How are you handling your parental health insurance policy?- Grapevine

Welcome to Personal Finance's Private Community

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

Hi all , have you taken health insurance for your parents ? If yes what amount coverage ? What is the premium per month ? And which vendor? Any extra benefits you can also point that out

URGENT Parents Insurance

Analytics Manager

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

Welcome to Office Gossip's Private Community

The median sum insured is only 3 Lakh
Only 56% offer maternity benefits
Only 25% provide cover for employees’ parents

Hey folks, I work at Plum and this week launched our State of Employee Benefits report (https://www.plumhq.com/state-of-eb). We dug into a ton of data and turns out employees in India don’t really get a good deal when it comes to insurance and other health benefits. Here’s some more interesting aspects - 

1. While Unicorns are doing better than most companies out there, even competing unicorns could have vastly different policies and coverage

2. Enterprise safety is a real thing. They definitely tend to do better than all the ‘hyper-growth, hustle is life’ startups

Would love to hear from this community. And please AMA about the report or how to evaluate your own company-provided insurance and benefits :)

Indian employees are under insured by companies

Head Of Marketing

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 IT Company Discussion's Private Community

Pls suggest tech companies in Bangalore that give insurance cover to parents as well? 


What are some of the companies? 



#tech

Companies that give medical insurance to parents?

Software Developer

Welcome to Indian Startups's Private Community

I am finalising offer of SDE2 with Zepto but to get a clear picture and compare with competing offers, I want to understand what non-salary perks does zepto offer?

How much health insurance? Are parents covered in health insurance?

Is free meals available? Or some meal allowance (apart from salary)

Company provided cab?

I understand it is 5 days work from office, but are one off WFH requests accepted? How about Holi diwali times, do they allow longer WFH during those periods?

What are the relocation benefits offered?

How many leaves are there? Are leaves encashable?

Any other perks that might be being offered?

Non-salary perks at Zepto

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

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

Welcome to Ask Grapeviners's Private Community

Which one do you have and what would you recommend?

Did you have any bad experience in the past while claiming?

* has good coverage
* ease of claim

Need Medical Insurance for parents

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

Been researching health insurance. If you have any questions, please share. Will clarify whatever I know.

How much health insurance is good

Growth Manager

Having a corporate medical cover is no doubt a valuable benefit but a corporate plan as a standalone policy can be insufficient as it comes with certain restrictions.

💵 Coverage is typically low (usually upto 5 Lakhs)
👨‍👩‍👧‍👦 Does not adequately cover all dependents
⚠️ In built sub-limits (e.g., room rent cap, daycare, domiciliary, modern treatments) and copayments

It is therefore strongly recommended to have personal health insurance over and above corporate policy to secure the health and financial well-being of your family.

However, understanding health insurance is complex and overwhelming. This is where we step in. Simple Insure AI helps you understand your corporate cover and recommends retail health insurance plans based on the gaps.

Currently, we offer policy analysis for the employees of these corporates: Bain & Company, Boston Consulting Group (BCG), Meesho, slice, HighRadius and PwC.

We're expanding our coverage to more companies soon! If you’d like your company to be included, let us know in the comments.

Click on the company wise links on our linktree link

Simplify your health insurance purchase with Simple Insure AI

Simple Insure | Instagram | Linktree

If you are working at Meesho, Slice, HighRadius, PwC, Bain and BCG, we have analyzed your corporate health insurance policy

Founder

Hey Folks,

Please suggest good health insurance (family floater) with OPD & minimum waiting period, based on your personal experience.

TIA

Health Insurance

Welcome to Software Engineers's Private Community

I m looking for a break while on the job at TCS. I Am looking for some valid justification to get my sabbatical aproved. I have to finetune my health and my relationships and my mental health while am on break. 

Kindly suggest me some verbose that will have higher chances of getting corporate approval for sure.

TCS sabbatical

Given that maternity expenses are so high , I am planning to take a Heath insurance for her which covers maternity expenses and other health conditions. Any suggestions ?

Best plan for wife for maternity

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?

1 year in first job, please help me assess and improve

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!!)

How are you handling your parental health insurance policy?

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