Need suggestions on Personal medical/health insurance plans?
Thinking about Acko platinum for 4+2(Parents)+2(Parents In-laws) , in Acko platinum estimated cost would be roughly INR 1.4Lakhs for 1 crore insurance. If someone has any better option please let me know. Thanks
Don't go for Acko Health Insurance. Biggest fraud in health insurance.
I was using Acko vehicle insurance for many years and had good experiences. So i ported my personal health insurance in Aug 2023 to acko for my family. I fell ill in 3months later and had to be admitted.
Submitted a claim for my hospitalisation expenses. Field agent treated me like a fraud for filing claim in 3 months. Took my phone to check Google location history, asked for my family medical files etc.... which were tangential to the claim
Their field agent misled my doctor to get a medical certificate saying I was not well for 3months before .Finally ,They rejected it saying it was preexisting condition and I hid it at the time of policy Purchase, which is an absolute lie.
Biggest frauds, just run away! All their marketing of no limit, covering cost of band aid is all to lure your to buy the plan!!
SabChangaSi
Stealth
8 months ago
You should highlight this on social media.
Yep agree, but matter of fact is that cost of Health insurance has increased significantly, even if I opt for 50 lakhs sum insured then also I will end of paying atleast INR 1.3 minimum and cost is more or less same 10k +/- with all insurance providers.
Acko is new and they might not settle claims. Better to go for existing companies.
Would recommend Even Healthcare. Not just the IPD but also the OPD is being covered. Super smooth. Onboarding is peaceful. Company is also very receptive of feedback.
Corpdaaku
Student
9 months ago
The OG of health insurance industry is Niva Bupa( earlier,Max Bupa)
Pikachu_
Stealth
8 months ago
Try this: https://india-insurance-gpt.in
Kiteretsuu
Stealth
8 months ago
Setup call with ditto, they will help you find good insurance for you and your family for free
Recently bought care health insurance (for mother and father combined, both 58age, mom has high bp and diabetes), 10lakh cover, will increase by 50% every year upto 20lakhs, for 42,000/-
Single thought: too costly. Please recheck options online or talk to an advisor. I could be wrong too.
If you are spending that much money why not go with established companies instead? I'm a registered advisor. You can mail me if you need advice. Please Check profile for email.
A fundamental metric (created by govt body) to track for insurance is claim settlement ratio.
Check before buying anything with tag-word insurance.
https://www.bankbazaar.com/life-insurance/claim-settlement-ratio-for-life-insurance.html#:~:text=Which%20life%20insurance%20company%20has,the%20fiscal%20year%202021%2D22.
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