SillyPancake

I am 24 years old, suggest me about insurance.

I amd 24 years old and my income is around 1.5l per month, I want to buy the best insurances possible as I have many minor medical issues nowadays. I came to know that health is the greatest thing for me. Please suggest me or guide me something. I want medical/health insurance which covers OPD also. What things I should be aware of?

I expect you guys might have some insights that I can't find on the YouTube.

7mo ago

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ZippyBoba

Stealth6mo

Hi, It always best to buy health insurance early. Based on our analysis we have found the following insurance policies with the best features - HDFC Ergo optima secure, Tata Medicare Premier and Niva Bupa Aspire. However the best one would depend on your medical needs.

In terms of buying health insurance, OPD benefits should not be a key criteria. You should first evaluate plans offering the best IPD features as you are buying insurance to protect yourself from large medical expenses and not smaller ones. The key features which are non negotiable are no room rent limit, no copayments, good No claim bonus, and network hospitals. If after these someone offers OPD benefit as well then it is a win win. A lot of times insurer will charge you extra for OPD benefits which doesn’t make financial sense for you to buy.

DM me if you have any further questions and I can help you find the right health insurance plan for you.

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