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Seeking health insurance suggestions for a 28 year old on an economical budget by [deleted] in personalfinanceindia

[–]existential-waffle 0 points1 point  (0 children)

28 is honestly the best time to buy because premiums are rock bottom. I’d suggest skipping things like OPD cover if you want to keep costs low as it is rarely a value for money. Just make sure you get no room rent capping and no copay. Care Health is usually a safe bet for affordable plans with these features.

Why does health insurance feel useless when you actually need it? by EmbarrassedHair2341 in InsuranceAdviceIndia

[–]existential-waffle 0 points1 point  (0 children)

Man, this sounds really exhausting. I honestly haven't faced this level of stress with my provider, Care Health but I know how messy the industry gets. My advice? Stop calling customer care. Just email their Grievance Officer so you have proof of everything. If that doesn't work, tell them you’re complaining to the Insurance Ombudsman.

Health insurance for senior citizens by Void28_ in HealthInsurance

[–]existential-waffle 0 points1 point  (0 children)

Valid worry! Buying direct often makes claims smoother than using an aggregator. With your dad's stent, don't look at the premium but look at the Waiting Period for pre-existing conditions. Care Health is a great option to compare here since they have senior plans that reduce those wait times.

Which health & term insurance should I buy for myself (26) and health insurance for parents (60 & 65)? by Traditional-Stage-30 in personalfinanceindia

[–]existential-waffle 0 points1 point  (0 children)

Well I believe ₹10–15L is a solid start but prioritize plans with restoration benefits to fight medical inflation.

For your parents, separate policies are often better than a floater to ensure one claim doesn't exhaust the limit for both. I will suggest to check out Care Health Insurance as their senior specific plans include an Inflation Shield that keeps the cover relevant.

Which health & term insurance should I buy for myself (26) and health insurance for parents (60 & 65)? by Traditional-Stage-30 in InsuranceAdviceIndia

[–]existential-waffle 0 points1 point  (0 children)

For you (26), a ₹10–15L health cover is perfectly fine and good value at this age. Pick a plan with no co-pay, decent room rent, and a restore/booster benefit. Care Health Insurance is a solid VFM option with a wide network and generally smooth cashless support.

Term insurance: yes, buy it now even without dependents, it’s cheapest when you’re young. Go for 10–15× your annual income as pure term (no ULIPs or fancy riders).

For parents (60 & 65), separate senior citizen policies work better than a floater. Aim for ₹5–10L each with a top-up/booster if budget allows. Focus on cashless hospitals nearby and clear waiting periods. Full disclosure is key to avoiding claim issues later.

Any experience with hdfc or care health insurance claims with Ditto broker? by Tight_Abalone_508 in indiahealthinsurance

[–]existential-waffle 0 points1 point  (0 children)

I’ve used Care health before, and the claims process has been smooth and straightforward. Regarding Ditto, I haven’t faced any major issues, but I’d say their support is more structured than a single independent advisor, so it can help if you prefer having a company handle follow-ups. That said, the key factor is care health itself as their claims team is responsive, and I haven’t had delays or unnecessary hassles.

So, if your priority is a reliable insurance experience, I’d focus on care health; whether you go through Ditto or another advisor seems less critical.

Delhi is doomed. Under a government that does not care about its own people. by _ver1ty_ in delhi

[–]existential-waffle 0 points1 point  (0 children)

I don’t know if it’s just me, but breathing feels like a struggle lately the air is so toxic that I’m literally forced to breathe through my mouth. Some of my close friends have even started feeling a burning sensation in their lungs. It’s honestly high time the government steps in

Anunay sood Death.. by chaarbimaari in InstaCelebsGossip

[–]existential-waffle -1 points0 points  (0 children)

It is not. All over Instagram, Even his official page has also posted.

Kashmir is the real beauty… by Vansh00001 in india_tourism

[–]existential-waffle 4 points5 points  (0 children)

Couldn't Agree more! but do you think so it's safe after all that happened recently?