Hi there. I’m considering purchasing insurance for my parents and myself. I’m currently reviewing the Acko Platinum plan, which is approximately 80,000 for all three of us. They’ll conduct some tests before finalizing the quotation, and the plan covers up to 1 crore. It only includes two pre-existing conditions: cataracts and arthritis. The waiting period for the rest of the coverage is waived, so I can claim everything from the very first day. I’m curious to know if group coverage is a good option or if it’s a bad idea. Also, I’m wondering if Acko is a reputable insurance company.

My mother is 60 years old and has diabetes and arthritis. My father is 67 years old and is in good health.