WobblyRaccoon

Which health insurance and covers you have?

Which health insurance would you suggest, I started looking from acko but found a mandatory health tests before applying. Suggest some good sources to buy health insurance without hassles. so i am looking for cover of me, my mom and sister. Is there a way to get my sister covered or will I have to get one for her separately, all inputs are welcomed, please share your good and bad experiences with all insurance covers and premiums you avail

10mo ago

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PerkyPenguin

Autodesk10mo

Acko. Good one..25k for 1 cr health cover. Free blood tests.

WigglyRaccoon

Google10mo

May be for a younger age? Otherwise 25K for 1cr is tooo low & pretty good deal.

PerkyPenguin

Autodesk10mo

Nope. 40 year old .it's indeed a good deal.my 2nd year running

BubblyKoala

Stealth10mo

Avoid covering your mom under the same policy as chances of her higher probability of claim inflating overall premium.
Apart from Acko, public sector insurances are quite healthy in claim settlement and get them along with an efficient TPA.
Get a super top up over and above base policy to cover tail case scenario of 40L bills

DerpyBurrito

Amazon10mo

Claims don’t inflate the insurance premiums. Premiums change due to inflation, change in age bands, and if the insurer hikes the premiums.

ZestySushi

EY10mo

Ditto, they give good advice based on data

QuirkyNarwhal

Stealth10mo

Pro don't go for Acko and all. Go for HDFC Ergo or Tata AIG - they have the highest claim settlement ratio in India

SquishyPancake

Stealth10mo

Can you please share the details. Looking for something similar.

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Been trying to take a personal health insurance plan for my mother and myself and have been evaluating options such as HDFC Ergo, Aditya Birla, Care, ICICI Health, Acko, Digit, Star Health, Royal Sundaram and so on but I'm afraid after s...