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Health & Fitness
Health & Fitness
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PrancingBiscuit
PrancingBiscuit
Gojek

Health Insurance

Hey Folks,

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

TIA

24mo ago
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SwirlyPretzel
SwirlyPretzel
Stealth24mo

OPD insurance is not a great product. The product pricing is so bad that it’s better to pay out of your pocket for it if and when you need OPD. Insurance as a product is good for covering unpredictable but high cost expenses. OPD while unpredictable, is low cost. So not a good use case for coverage.

Go for a good health insurance with high coverage. Id recommend the Acko health 1 cr / unlimited coverage plan, I have the product and it’s very comprehensive.

PrancingBiscuit
PrancingBiscuit
Gojek24mo

Nice suggestion, I was also thinking if having a OPD be a good option or not

ZoomyPickle
ZoomyPickle
PayTM24mo

How expensive was it to get the Acko 1Cr cover plan? And is there an option to cover parents?

JazzyNarwhal
JazzyNarwhal
Stealth24mo

You should like a novice to me while reading your expectations. Leave OPD and clauses like minimum waiting period etc. Different diseases have different waiting periods. Anyways, HDFC Optima Secure is the best available. Very expensive but very good.

SquishyLlama
SquishyLlama
Stealth24mo

Go for Acko. They're superb in claims settlement and no bullshit t&c. Ex-employee here.

JazzyNarwhal
JazzyNarwhal
Stealth24mo

Acko policy is a joke. Every family member should be part of the policy or the person should be divorcee or widower. Godigit is also same. Perfect example of hidden T&C.

SnoozyWaffle
SnoozyWaffle
Arcesium24mo

Yeah ageee ditto is good. They won’t bother you with unnecessary calls. You are free to not buy even after consulting them

MagicalDonut
MagicalDonut
Zomato24mo

Check with Ditto man, they provide pretty descent guidance

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