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If FA and client living location are at far ends of country. Assuming FA buys term insurance in his base location for client. Will there be any difficulty for claim process?
My husband and I are covered through a 20Lakh health insurance plan from ICICI Lombard but we intend to buy a super top up of 70 or 80L, please suggest if we should buy the super top up from ICICI Lombard or any other good company?
Secondly, I keep reading on various forums that we also need to buy separate policies for 1) Accident cover 2) Critical illness 3) Disability 4) Cancer care - Are we supposed to buy four more policies apart from the above mentioned health insurance? If yes, then should we buy four different policies or is there any other way out?
I am 31 yr old looking to opt for personal health insurance for myself.
Considering that I have a medical history 12-13 yrs ago (was diagnosed Still's disease then, no issues/medication for last 10 yrs), an advisor proposed LIBERTY GENERAL and NIVA BUPA. I understand the others- HDFC Ergo, Tata AIG, ICICI Pru did not offer any plan for my case.
- Between the two options, which of the insurer is preferable in overall context? (Assuming the differences in their features are minor parameters)
- Liberty General has lesser network/cashless hospitals than Niva Bupa. Should that be a very important factor while choosing?
above mentioned surgery is covered in health insurance policy??
I am under group health insurance of SREI. However the company is under Insolvency. How do i port to individual policy of the same insurer . I have heart problems and may not pass fresh underwriting by the insurer
Any reviews on Tata AIA term insurance in terms of claim settlement and customer support. I read lot of negative reviews on Mouthshut. If anyone has any experience please share.
Hello helpful guides,
I am 41 years old and have insured myself and my son for a floter 10L (Care by care) i baught this 10 year back and have never claimed. ( current premium 15000)
I also have a Care Enhance-1 ( super top up) for 25 lakh with 5 lakh deductible each for me and my son. ( current premium 6500+2500= 9000)
In addition to the above I have a 90 lakh super top up floater from Niva bupa ( policy name Health Recharge) with 10 lakh deductible . ( Current premium = 4287 this is for 3 years)
I wanted to increase my base SI from 10 lakh to either 25 lakh or 50 Lakh and then discontinue the Care enhance top-up as to me it seems like i am paying more than i should. i intend to continue the Health recharge with 10 lakh deductible as its really cheap just 1100 for a 90 lakh super top with 10 L deductible.
So my questions are:
1: What am i doing wrong in above?
2: Is my decision to increase the base SI and get rid of enhance 1 the right decision.
3: What should i go with CARE advantage for 50 lakh or continue care, care is expensive and i don't see any major difference ( except annual health checkup, alternate treatment)
4: Is there a recommendation as which would be a good HIP.
5: My last questions is why are these health insurance policy are so complicated and with so many terms and condition, why cant we get something that simple and with no strings attached. let it be a little expensive but should be something that truly can be a piece of mind? do we have something like that ??
A query posted on another channel as below about few days back
Required guidance n help if possible
I done policy of minor child when he was 6 month after time passed child become totally disable both mentally & physically, now child become major as per documnt but mentally not, proposer want to change his child status to major so as to include nomination but branch is refusing to do so । now proposer ask lic to continue his status to proposer as child is disable, becoz if life assured is नो more title become open which is very difficult।branch official not suggesting any remedy
I want to take critical illness plans in 2 companies. It is allowed to take 2 or more critical illness polies and claim in all the companies when there is a health issue