INSURANCE USERS' COMMUNITY FORUM

Good afternoon,

I've a Max Bupa Critical illness policy in place, however, I understand that cancer will get covered only at Stage 3 or 4.

If this is true, should one buy a Cancer policy apart from Critical illness? It should not happen that Cancer is detected at an early stage but it does not get covered in critical illness policy.

Hi Experts,

If I have a base cover of Rs. 10 lakhs and super top up of 20 lakhs (same insurer and deductible of 5 lacs), and the hospital bill comes to Rs. 30 lakhs, can I use the base cover of Rs. 10 lacs and then super top of Rs. 20 lacs? Or will the insurance limit it to Rs. 20 lakhs + 5 lakhs (deductible amount)?

Also, I get confused when an insurer says "total sum insured" of Rs. 20 lakhs (read it while checking HDFC ergo super top up). So will they restrict claims to Rs. 20 lakhs irrespective of hospital bill amount?

Regards,

Abhishek

Hi Sir/ Madam,

My wife and self both are working and want to take a family health floater for both+kid. I have a question with regard to tax benefits both can avail on a single policy:

a)If I take a family floater health insurance policy can the husband and wife split the said premium for the single health family floater health insurance.

b) Both individuals will be issued separate tax certificates basis the respective premiums paid by us.

Regards

Sanjay V

Why premium is increased this year in health policy(HDFC ERGO) despite no age bracket change or no claim is made

Hi team,

I have one question related to the health insurance, generally some people who are in early stage say around 25-30 can fall in pre-existing diseases like diabetic, blood pressure ..etc due to their way of living or some other reasons. For them, to take health insurance, obviously insurers will deny telling that we will not cover those type of cases. How can any person who is at this stage can get health insurance?

One solution: They can change their life style in order to suppress the pre existing disease as they are in youth stage, they can easily get over it by taking certain precautions and take the report from practitioner/doctor that they are perfectly fit from all of the things.

But even though they get this certificate from doctor, insurers won't believe as it is comes as under life long disease, can be changed any time.

What would you recommend for this type of case? Could you elaborate every known point? Anyone can give their perspectives. Thanks in advance. Waiting for your responses.

We have a family health insurance for more than 15 years recently my mother was diagnosed with hypertension should we declare this health condition at the time of renewal this year or this is only required while buying a NEW policy?

Hi,

As an insurance advisor, how do you manage to convince the customer to make their insurance policy payments by themselves. Many of our customers, especially the elderly and less tech-savvy ones hesitate to make the payment themselves or from their accounts. Instead, they transfer the money to my account and ask me to do the payment.

There are various reasons other for this like the renewal process of some companies not being user friendly or not providing multiple payment options, some customers pay later (debts), payment failures, OTP issues, fear of fraud etc.

I keep trying to teach and insist my customers to make the payment themselves but there is still some percentage of customers who don't listen.

In your experience, what are some ways to resolve this.

My brother was diagnosed with pancreatitis in 2016-2017. Now every policy provider is denying issuing new policy. Only star health insurance is now ready to issue a new policy with a clause that it will not be covered for 4 years.

Is it safe to go ahead? Or there is a catch ?

Dear sir/madam my entire family is covered under Citibank good health insurance policy for credit card holders which is a new india health insurance, i have been paying for more than 10 years and have considerable no claim bonus, now with Citibank exiting india how will i renew my policy next

What are the advantages and disadvantages of buying Base policy + Super top up from different companies, instead of taking one single policy of higher sum insured,