Best Medical/Health Insurance
I am Male 28 with a wife same age and parents aged just above 50. I am looking for a best Medical/health insurance plan(Family Floater). Need help from experts in suggestions
So recently my dad visited a relative who was on a ventilator and when he came back he was quite anxious about what he saw and asked me to look for good Medical Insurance for the family. Now I did some research on the same but would love some of your suggestions of which to choose or how I can select a good one and from where.
Basic Requirements - 10 lac coverage (idk if that's enough or should I go for more) and good hospitals covered. Other details got me confused so maybe help me out.🥹
Thanks
Always buy 2 different plans. 1 for parents 2 for you and your wife, kids etc. Never combine these 2, as parents medical insurance will be very high due to age.
For parents, buy policy like this -> 5 Lakh base + 95 Lakhs top up Good option -> Star Comprehensive
For your policy -> 5lakhs base + 95 top up Good option-> Young star
These are the policies which I have... If you would like the number of my advisor, let me know.
Any charges or anything for the advisor?
Nope, he will get his commision from company only. You have to pay the same which you would, if you bought directly from company.
Had come across a video yesterday, don't buy one with room rent capping. Or any capping for that matter, anything excess gets taxed at 33%
That was because the guy took a room which 33% expensive then his allowed expenditure. That's why he had to pay 33% extra overall.
I can help but I don't know how to help you. Does this platform allow if I write my email id where you can contact me? I'm an IRDAI insurance advisor, Pension advisor and NISM certified mutual fund distributor. 15 lakh is good depending on floater or individual, the type of policy, features etc. Also your family past/current medical history needed to suggest. Health insurance is much complicated. It can't be suggested by simply giving names.
Got thru Ditto and I got the HDFC ergo 10L cover
I am Male 28 with a wife same age and parents aged just above 50. I am looking for a best Medical/health insurance plan(Family Floater). Need help from experts in suggestions
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 so...
Which one do you have and what would you recommend?
Did you have any bad experience in the past while claiming?