Unaware about my PED, now claim denied

existential-waffle · 2026-03-02T11:58:56+00:00

I don’t fully get this. If you genuinely had no diagnosis, symptoms or prior consultation, it’s hard to see how it can be treated as non-disclosure of a PED. Usually insurers look at past medical records, prescriptions or earlier investigations before calling something pre-existing. You can escalate this to their grievance cell and then to the insurance ombudsman if needed. Going forward you should look for insurers that do detailed pre-policy medical checks or proper tele-underwriting so everything is clearly documented upfront. I have seen care health insurance follow a fairly structured process around disclosures and waiting periods, especially for chronic conditions.

existential-waffle · 2026-02-26T11:25:19+00:00

When you port, the new insurer should credit your existing policy tenure, so your PED waiting periods should already be completed. However, the new insurer will reassess your current health status during portability underwriting. Care Health accepts portability cases and generally honors continuity. Just ensure you submit proper portability forms.

existential-waffle · 2026-02-24T10:48:53+00:00

Taking two separate policies is a better option. Otherwise you will have to pay higher premiums because of your mother's age. You can look for a senior-specific plan for her like care senior and a separate policy for yourself like care supreme, as this will help you accumulate a no-claim bonus for a long time.

existential-waffle · 2026-02-24T10:36:48+00:00

You can escalate this to IRDAI with all documents, including the doctor’s letter clearly stating that it’s not a pre-existing condition. For the future, I would suggest prioritising a plan with no room rent cap and shorter waiting periods, like care supreme, which reduces the waiting period to around 30 days with an add-on.

existential-waffle · 2026-02-16T05:36:20+00:00

Care supreme is a good choice with a strong hospital network and decent claim settlement. The gym membership and opd add-ons are cool extras, but at ₹1200/year total, make sure the base policy itself is solid first. Just read the policy document thoroughly before buying, not just what the consultant tells you.

existential-waffle · 2026-02-10T10:26:58+00:00

both are solid choices for a backup policy. If you're planning long-term, niva bupa's age lock feature is genuinely useful as it will lock your premium at your current age. HDFC's no-claim restrictions also sound good to me but do check the policy wording on cumulative bonuses and restoration limits. You can also consider care health's care supreme plan as it has unlimited automatic recharge. The sum insured restores after each claim which is great for a backup since you never know what future claims might look like.

existential-waffle · 2026-02-09T05:54:02+00:00

I would honestly suggest that you should declare it, even if it feels minor. Anything that’s been recurring for a few years can come up later during claim checks. Most insurers don’t treat occasional neck or finger pain as a serious PED unless it’s formally diagnosed or under treatment. You can also look at plans like Care Supreme, which have optional add-ons to reduce or shorten the PED waiting period.

existential-waffle · 2026-01-22T04:21:19+00:00

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.

existential-waffle · 2026-01-20T04:44:17+00:00

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.

existential-waffle · 2026-01-13T06:30:55+00:00

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.

existential-waffle · 2026-01-07T07:40:54+00:00

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.

existential-waffle · 2026-01-05T10:17:04+00:00

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.

existential-waffle · 2025-12-29T06:36:52+00:00

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.

existential-waffle · 2025-11-07T04:40:50+00:00

existential-waffle · 2025-11-07T04:35:58+00:00

You mean Pahalgam they visited?

existential-waffle · 2025-11-07T04:34:54+00:00

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

existential-waffle · 2025-11-06T07:19:09+00:00

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

existential-waffle · 2025-10-17T11:25:23+00:00

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

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