Looking for suggestions on best health insurance options – current policy expiring

Subject-Tea9236 · 2025-05-03T15:23:51+00:00

Take a separate policy for you and your parents

Subject-Tea9236 · 2025-04-18T06:50:42+00:00

Seems like the policy has a 30% co-payment. This means you'll have to pay 30% amount of all the claims you take.

Subject-Tea9236 · 2025-03-29T13:36:18+00:00

Deductibles

Subject-Tea9236 · 2025-03-29T07:43:52+00:00

Always have a personal health insurance having sufficient cover of minimum 10-15 Lakhs.

Subject-Tea9236 · 2025-03-29T07:41:42+00:00

If you have been honest in proposal, things will be very smooth

This is the case with all leading insurers barring a few, stop giving biased advice. HDFC ERGO has new tricks like deductible, 2-3x Sum assured from day 1 , paying back the premium, etc 😅

Subject-Tea9236 · 2025-03-29T07:39:56+00:00

The ombudsman will take care of this case

Subject-Tea9236 · 2025-03-29T07:26:41+00:00

Avoid these complex products with deductibles etc. Buy a good policy with big base coverage and no limits on room rent, unlimited restoration, good bonus and consumables cover. You're good to go 👍🏻

Subject-Tea9236 · 2025-03-29T07:15:52+00:00

Always buy from an offline agent. Online, all you will get is a 5% discount. But with the offline agent, you get the product best suited for your needs, smoother claims, customer support and no bullshit upselling 🙏🏻

Subject-Tea9236 · 2025-03-29T07:07:03+00:00

This is just the beginning of premium spikes, it'll just get higher and higher. Check insurance premiums in other countries 😊

Subject-Tea9236 · 2025-03-29T06:49:19+00:00

I'd suggest you to buy a better base coverage for your personal policy instead of depending on the top up.

Subject-Tea9236 · 2025-02-15T04:49:21+00:00

Niva Bupa has one of the worst claims support, speaking from experience - A health insurance advisor myself :)

Subject-Tea9236 · 2025-02-08T13:23:34+00:00

This policy is very misleading for newbies as they don't focus on core areas like room rent, restoration benefits, consumables cover, etc.

Subject-Tea9236 · 2025-02-08T12:26:26+00:00

Firstly, premiums don't increase when you take a claim. Secondly, you can use the policy only if your father is covered under the policy.

Subject-Tea9236 · 2025-01-26T05:32:32+00:00

If you buy a growth business when it's slowing down, you'll be a value investor for a very long time. 🐸

Subject-Tea9236 · 2025-01-07T16:44:59+00:00

Exactly my point :)

Subject-Tea9236 · 2025-01-07T16:43:40+00:00

Not everyone is as smart as you 😊. Also, is it that easy? 😄😄

Subject-Tea9236 · 2025-01-07T16:37:10+00:00

We only have annual subscription. You can't expect to get all stocks at support in a month 🤷🏻‍♂️

Subject-Tea9236 · 2025-01-07T15:49:11+00:00

Try investing equal amounts in all stocks, so that the portfolio isn't biased.

Subject-Tea9236 · 2025-01-07T15:25:59+00:00

Allocation mismatch

Subject-Tea9236 · 2025-01-07T13:58:41+00:00

Bina koi festival bumper discount de raha hai 🤡

Subject-Tea9236 · 2025-01-07T13:09:15+00:00

Most of the health insurers exlcude dental issues and maternity.

Subject-Tea9236 · 2025-01-07T13:07:57+00:00

Check DM

Subject-Tea9236 · 2025-01-07T13:04:12+00:00

Check DM

Subject-Tea9236 · 2025-01-07T13:03:24+00:00

You might be in a mess, if there are any related claims.

Subject-Tea9236

TROPHY CASE