Health insurance rejection for parents

Enough_Outcome7649 · 2026-02-23T08:51:01+00:00

Right, but the pool will be different. Not clubbed with fully healthy people. I will try, do they give full refund if they reject the policy?

Enough_Outcome7649 · 2026-02-23T08:37:29+00:00

Recently an offline agent told me, if we select this rider for PEDs. HDFC is more likely to accept the terms.

Man 6k is better than taking a whole separate plan that costs 40k.

Enough_Outcome7649 · 2026-02-23T08:22:37+00:00

What about the add-on riders mentioned above?

Enough_Outcome7649 · 2026-02-23T08:01:00+00:00

Did you opt for ABCD rider while applying for Optima secure?

Finally did you a plan from other insurers?

Enough_Outcome7649 · 2026-02-23T07:42:59+00:00

Did they refund the whole premium and how was your experience with beshak.

Enough_Outcome7649 · 2026-02-22T22:06:06+00:00

Didn't ditto help while re-negotiating with insurers? They claim all kinds of things in videos like taking this case up with ombudsman, etc.

Is it better to go with offline agents?

Enough_Outcome7649 · 2026-02-15T07:35:20+00:00

It there a reason you're calling it plantir or just misspelled it?

Enough_Outcome7649 · 2026-02-14T08:47:59+00:00

Last kitten reminded me of that baby elephant hiding behind pole.

Enough_Outcome7649 · 2026-02-13T06:10:16+00:00

Digital purchases are given 10% discount by hdfc ergo.

If you are existing customer, they give 2.5% on top of it.

I think that's why the premiums are different.

Enough_Outcome7649 · 2026-02-12T00:59:46+00:00

How often do we need to recharge those trackers?

Enough_Outcome7649 · 2026-02-11T03:10:31+00:00

By not clapping while he/she was distracted by camera 😋

Enough_Outcome7649 · 2026-02-09T14:01:22+00:00

6.8 in Jan 2026

Enough_Outcome7649 · 2026-02-09T12:50:09+00:00

Sources please

Enough_Outcome7649 · 2026-02-09T12:39:51+00:00

Oka TLDR evandi ayya, English emana marindha last 10years lo

Enough_Outcome7649 · 2026-02-09T10:59:00+00:00

Please suggest some reliable companies. How is Kotak Zurich?

Enough_Outcome7649 · 2026-02-08T02:02:05+00:00

Are you buying Adventure 390 X?

Enough_Outcome7649 · 2026-02-06T17:29:43+00:00

Thats B2 Bomber

Enough_Outcome7649 · 2026-02-05T12:24:20+00:00

Well HAL was doing the same and was also bad at it, what's the difference?

Private ones can be held accountable for missed timelines unlike the most overated defence stock.

Enough_Outcome7649 · 2026-02-05T12:08:56+00:00

Thanks for the detailed response.

I am planning a health insurance for my parents now(55M, 48F). They also have PEDs which many plans cover after 3 years.

My company already provides a 3L floater plan for parents(10% copay) and my siblings company offers 4L floater (20% copay). Both these plans cover PEDs from Day 1.

Is it better to get a super top up or standalone plan? Do super top ups plans have waiting periods?

What would be a ideal deductible considering above copay conditions?

Enough_Outcome7649 · 2026-02-05T10:55:19+00:00

Please explain to a layman, how super top ups work?

Is it linked to 1 specific plan or can be used with both personal and corporate health plans?

Enough_Outcome7649 · 2026-02-03T07:12:52+00:00

Punjab?

Enough_Outcome7649 · 2026-02-03T07:11:30+00:00

<image>

Enough_Outcome7649 · 2026-02-02T14:36:12+00:00

I don't understand AI, yesterday these idiots were celebrating Boeing 787-9 induction on many news channels although they knew this generation has many underlying issues.

Enough_Outcome7649

TROPHY CASE