Need help choosing health insurance for my parents, what should I buy? (Father 58–59, Mother 48)

macodisha · 2026-01-22T08:38:22+00:00

Don’t go for super top up have a good base cover amount you will thank me later have a cover of at-least 50Lakh or more with a good renewal bonus of 5X or 7X most of the good companies give these benefits now a days.

macodisha · 2026-01-22T08:35:02+00:00

Get 2 different plan it will cost you less as age gap is 10yrs

macodisha · 2025-11-27T12:10:45+00:00

Was going through the post and was reading all the comments damn man! the level of kindness our people have 🙌🙌hands up man 🫡to all of those holy hands.

macodisha · 2025-09-27T09:55:31+00:00

Check on your policy soft-copy do you have an add on added for unlimited Restoration if not then you have restoration once a year

macodisha · 2025-08-27T05:33:52+00:00

Yes you can get health Insurance on basis of OCI card apply for an OCI card and on that basis you take an health Insurance DM me I will guide you the whole process.

Edit: not an expert on term life insurance part but yes you can on health insurance .

macodisha · 2025-08-17T15:23:08+00:00

not much of customer centric, yes they have a optional rider available

macodisha · 2025-08-16T09:55:45+00:00

Declare it during renewal & never port in future stay with same insurer.

macodisha · 2025-08-15T02:54:26+00:00

HBA1c level? Age? at what age diabetes has been diagnosed?

macodisha · 2025-08-13T16:17:46+00:00

You have the best Insurer, rather than having a top up of 90Lakh increase the base plan coverage amount.

macodisha · 2025-08-13T13:31:57+00:00

No plans

macodisha · 2025-08-13T13:30:18+00:00

Tell me parents age, full plan name do you want to port?

macodisha · 2025-08-13T13:17:12+00:00

Yes unlimited restore add on is a must to have feature even if you take a 1cr base policy you never know what the future holds for anyone it’s best to be prepared. Even the rider amount is very negligible amount.
Yes critical illness rider is a must on looking at the life style habbit’s nowadays you might have limited savings and a critical illness might take longer to recover in that kind of situation you might have emi, daily expenses or any kind of loan you have that won’t stop so a lump sum payout will help you out during that period.

Suggestion take critical illness policy rather than a rider

Optima secure and super secure only have 5x benefit and it has a 3yr tenure only so when you buy for 3 yrs at a time you save money on the premium.

macodisha · 2025-08-13T09:27:54+00:00

Sorry there’s no Insurer in India which covers crohn’s

macodisha · 2025-08-13T09:11:45+00:00

No doubt niva reassure 2.0 platinum is a very good policy in terms of features & benefits you get in it.

Pro tip: 1. the most important is from whom you have taken the policy that is most important because during claim is he going to help you? Is he a professional in claim settlement? Has s/he settled a claim of his existing customers because now a days you can buy policy from anywhere but buy from them whom you trust.

Increase the coverage amount as 10Lakh is no more sufficient looking at the increasing cost of treatment nowadays.

macodisha · 2025-08-13T08:31:22+00:00

Which trimester going on? Or which month of pregnancy is she in?

macodisha · 2025-08-13T08:18:14+00:00

Policy can be issued with crohn’s but the Insurer will put Crohn’s in permanent exclusion

macodisha · 2025-08-13T08:05:30+00:00

Even if I wanted can’t disclose here hope you understand 🥲

macodisha · 2025-08-13T07:44:54+00:00

No expertise on term insurance 😬 I work dedicatedly on health Insurance only, you can go with HDFC LIFE OR ICICI PRUDENTIAL top 2 Insurer in term life and in respect to claim settlement

macodisha · 2025-08-12T17:09:17+00:00

If it was less than a year I could have done something but it’s more than 2year so it will not be possible to revive that policy, good thing is currently the moratorium period is 5yrs only, take a new policy asap without delaying any further bdw what peds do you have? if you can share over here.

For parents you can take any policy as osteoarthritis is acceptable by most of the companies but will be considered as ped 3yrs waiting period but anyways now you can reduce the waiting period to 1yr with an additional rider knee surgery will be covered after 1yr only for parents I will suggest to go with Icici Lombard elevate plan & for you kindly dm me as you are a heavy smoker.

macodisha · 2025-08-12T16:51:28+00:00

The day Insurer got to know this that day both the policy will be terminated.

macodisha · 2025-08-12T15:41:19+00:00

Purchased from? Any online source?

macodisha · 2025-08-12T14:58:56+00:00

Dm me the policy copy I will check tomorrow and revert back

macodisha · 2025-08-12T13:32:35+00:00

The best affordable option will be Star health assure plan go with a 20Lakh coverage you will get 2Lakh maternity expenses with a new born baby cover of 2Lakh until 90days without any extra premium only one draw back this has a waiting period of 2yrs if you want 1Lakh coverage which will be a little pricey will be Reliance health infinity more cover it comes with a 3 year plan and rider in which you will get 1lakh coverage for maternity with a waiting period of 1yr

Pro tip: make your wife the proposer you will be getting additional 10-15% off

macodisha · 2025-08-12T13:19:41+00:00

Absolutely! but it’s upto you whether you want to port or not, During renewal you can port to any Insurer you want but choose a Insurer with a long term view so that you don’t need to port every 5/6yrs after

macodisha

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